Direct answer
No, most individual disability insurance policies include a pre-existing condition exclusion clause that prevents coverage for medical issues identified before the policy effective date.
Standard underwriting guidelines and individual disability insurance contract definitions as regulated by state insurance departments. For additional information about state-level oversight and consumer protections, see the National Association of Insurance Commissioners‘ state insurance department directory.
What this means for you
No, most individual disability insurance policies include a pre-existing condition exclusion clause that prevents coverage for medical issues identified before the policy effective date.
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