Direct answer
No, most individual long-term disability policies exclude pre-existing conditions during an initial ‘look-back’ period, which typically spans the 12 to 24 months prior to your application date. Coverage for these conditions often requires a waiver or is only available through group employer plans that do not medically underwrite.
Industry-standard policy contract language regarding medical underwriting and exclusion riders. For additional information about insurance policy definitions and consumer protections, see the National Association of Insurance Commissioners‘ consumer resources.
What this means for you
No, most individual long-term disability policies exclude pre-existing conditions during an initial ‘look-back’ period, which typically spans the 12 to 24 months prior to your application date. Coverage for these conditions often requires a waiver or is only available through group employer plans that do not medically underwrite.
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