Disability Insurance with A Pre-existing Condition

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Understanding Disability Insurance With Pre-Existing Medical Conditions

A pre-existing medical condition is a health issue that was diagnosed or treated before a new insurance policy began. In the context of disability insurance, these conditions can significantly affect policy eligibility, coverage terms, and premium costs.

Examples of Pre-Existing Conditions

Common examples include:

  • Diabetes
  • Heart disease
  • Cancer
  • Chronic illnesses like Multiple Sclerosis
  • Mental health issues like depression or anxiety
Disability Insurance With Pre Existing Condition

How Disability Insurance Covers Pre-Existing Conditions

  1. Exclusion Periods: Many policies include an exclusion period for pre-existing conditions. During this time, disabilities caused by these conditions are not covered.
  2. Higher Premiums: Insurance companies may charge higher premiums if they provide coverage for pre-existing conditions.
  3. Policy Riders: Some insurers offer riders or additional clauses that specifically address pre-existing conditions.
  4. Waiting Periods: There might be a waiting period before the coverage for a pre-existing condition becomes active.
  5. Limited Coverage: Coverage for pre-existing conditions may be limited in scope or duration compared to other disabilities.

Steps to Get Disability Insurance with a Pre-Existing Condition

  1. Disclosure: Fully disclose all medical history on the insurance application.
  2. Comparative Shopping: Use The Annuity Expert disability insurance marketplace to shop around
  3. Consult a Specialist: Seek advice from an insurance specialist, like The Annuity Expert, who can provide insights into the best options.
  4. Read the Fine Print: Understand all the terms and conditions related to pre-existing conditions in the policy.
Disability Insurance With A Pre-Existing Condition


Navigating disability insurance with a pre-existing medical condition requires careful consideration of policy terms and conditions. It’s crucial to disclose all relevant medical history and understand how different policies address these conditions. Comparing options and seeking expert advice can lead to a more informed decision.

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Frequently Asked Questions

Can disability insurance policies contain pre-existing conditions?

Yes, disability insurance policies can contain pre-existing condition clauses. These clauses might limit or exclude coverage for conditions present before obtaining the policy, potentially affecting benefits or premium rates. It’s crucial to read and understand policy terms before purchasing.

What is a pre-existing condition in disability insurance?

A pre-existing condition in disability insurance refers to a health problem or injury that existed before an individual obtained the policy. Insurance providers might exclude coverage for disabilities resulting from these conditions, or charge higher premiums, as these individuals present a higher risk of claiming benefits.

How do pre-existing conditions affect disability insurance premiums?

Pre-existing conditions can lead to higher disability insurance premiums or exclusions because they present a heightened risk of future claims. Insurers might charge more, limit coverage, or exclude the specific condition from coverage to mitigate their risk exposure.

Can I be denied disability insurance due to a pre-existing condition?

Yes, you can be denied disability insurance due to a pre-existing condition. Insurers may see it as a heightened risk for potential claims. Depending on the nature and severity of the condition, insurers might deny coverage, exclude the condition, or offer coverage at a higher premium.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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