Disability Insurance Basics
Does disability insurance cover back pain?
Disability insurance covers back pain if it prevents you from performing your occupational duties. Back pain and musculoskeletal conditions are among the most common causes of disability claims. Own-occupation disability insurance provides the most comprehensive coverage for back pain.
Key Points
- Disability insurance covers back pain if it prevents you from working
- Back pain: one of the most common causes of disability claims
- Own-occupation: most comprehensive coverage for back pain
- Pre-existing back conditions: may be excluded from new policies
- An independent agent can help you find disability insurance that covers back conditions