Disability Insurance Basics
What is a pre-existing condition exclusion in disability insurance?
A pre-existing condition exclusion in disability insurance excludes benefits for disabilities caused by conditions that existed before the policy was issued. The exclusion period varies by policy and condition. Pre-existing condition exclusions are more common in group disability plans than in individual disability plans.
Key Points
- Pre-existing condition exclusion: no benefits for disabilities caused by pre-existing conditions
- Exclusion period varies by policy and condition
- More common in group disability plans than individual plans
- Individual disability: may be excluded or rated for pre-existing conditions
- An independent agent can help you find policies with the most favorable pre-existing condition treatment