Direct answer
No, most individual long-term disability policies exclude pre-existing conditions unless you are applying through a group plan with guaranteed issue provisions that waive medical underwriting. Even then, many policies include an ‘elimination period’ during which you must be symptom-free or treatment-free for a set timeframe.
Standard insurance underwriting manuals and policy contract language regarding exclusions. For additional information about insurance policy standards and consumer protections, see the National Association of Insurance Commissioners‘ resource guide.
What this means for you
No, most individual long-term disability policies exclude pre-existing conditions unless you are applying through a group plan with guaranteed issue provisions that waive medical underwriting. Even then, many policies include an ‘elimination period’ during which you must be symptom-free or treatment-free for a set timeframe.
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