disability insurance for people with back problems
Back pain and spinal conditions are among the most common causes of disability claims. Individual disability insurance typically excludes pre-existing back conditions or adds a rider excluding back-re...
disability insurance for people with back problems
Back pain and spinal conditions are among the most common causes of disability claims. Individual disability insurance typically excludes pre-existing back conditions or adds a rider excluding back-related claims. The key is getting coverage before a back condition develops, or working with a carrier that will insure with a limited exclusion.
What You Need to Know
- Pre-existing back conditions typically result in an exclusion rider, not denial
- Coverage before a back condition develops is ideal — no exclusions
- Own-occupation definition is critical for back-related disabilities
- Some carriers offer more favorable exclusion riders than others
- An independent agent can find the carrier with the most limited exclusion for your specific condition
The Patriot Plans Difference
Patriot Plans is 100% independent. We work for you — not the insurance companies. When you have a health condition, finding the right carrier is critical. Different carriers have very different underwriting guidelines for the same condition. An independent agent who knows the market can often find coverage that a direct-to-carrier application would miss. We've helped 400,000+ families find the right coverage — including thousands with pre-existing conditions.
Ready to Find the Right Coverage?
Patriot Plans is 100% independent. We compare plans from vetted carriers and find the one most likely to offer you the best rate for your specific situation.