Question: Can I Get Disability Insurance Even if I Have Health Problems?
Answer:
Just because you have current health problems or a history of health problems does not mean you will be denied disability insurance coverage. Sometimes you may be able to get coverage with exclusions. For example, if you have a history of hip problems you may be able to get a policy that will cover everything except for a hip related disability.
You will need to answer honestly any information requested by the disability insurance company. In addition to questions about your current medical state and history, your medical records will be requested and a medical exam will be administered. The medical exam will consist of urine and blood samples along with height, weight, and blood pressure measurements.
More Personal Insurance Q&A