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Anyone Know Of An Insurance Company You Can Get Disability Insurance Through If Already Have A Disability?

Disability Insurance News & Discussion

Anyone Know Of An Insurance Company You Can Get Disability Insurance Through If Already Have A Disability?

Postby Garrman » Thu Oct 05, 2017 10:09 am

If you already have a pre-existing condition (a disability), most insurance companies don't seem to allow you to get short or long term disability insurance.
Are there any companies that will allow you to get short or long term disability anyway, with the exclusion that if you become disabled due to your disability it won't cover it, but if you become disabled some other way (like an accident or something) then you would be covered? I know they call these "riders" but can't find a company willing to do this.

Looking for a company that will.
Anyone know of any?
Garrman
 
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Joined: Sun Mar 09, 2014 12:08 am

Anyone Know Of An Insurance Company You Can Get Disability Insurance Through If Already Have A Disability?

Postby Dekanawida » Mon Oct 09, 2017 3:50 am

For short-term disability try Allstate insurance.
They own a company called American Heritage that should be able to help you.
Dekanawida
 
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Anyone Know Of An Insurance Company You Can Get Disability Insurance Through If Already Have A Disability?

Postby Garadin » Tue Oct 10, 2017 2:49 am

If you are already disabled you WILL NOT be able to get this type of insurance from ANY company.
Garadin
 
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Anyone Know Of An Insurance Company You Can Get Disability Insurance Through If Already Have A Disability?

Postby Wudoweard » Tue Oct 10, 2017 12:46 pm

Sorry, but your odds of getting an insurance company to insure you if you are already disabled are slim to none regardless of how you are willing to word it, you first have to be insurable and you are not.
Wudoweard
 
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Joined: Thu Feb 13, 2014 8:30 pm

Anyone Know Of An Insurance Company You Can Get Disability Insurance Through If Already Have A Disability?

Postby Cillan » Wed Oct 11, 2017 9:50 am

1
Cillan
 
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