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I am a resident in mid-30s and I applied for disability insurance. I am generally pretty healthy but the year prior to application I was diagnosed with multidirectional instability of the shoulders, received PT for pain, it resolved. This was in the setting of weight gain (after starting a very hectic GI fellowship) and lack of exercise resulting in decreased muscle tone. Additionally around the same time I had bilateral knee pain (chondromalacia patella), again received PT and resolved. In the last 5 years I had also received orthotic inserts for left foot pain which resolved. None of these issues lasted for more than a few months.
On this background I applied, and divulged the above information. I don't take any medications and have since lost the weight I had put on and resumed regular activity and have a personal trainer. Received a clean bill of health from my PCP and my PT (physical therapist) recently.
The insurer excluded both shoulders, knees and foot and removed benefit update rider. They are willing to reconsider the knees and foot if I remain symptom and treatment-free for at least 2 years from the effective date of the policy, subject to evidence of insurability and underwriting. The shoulder exclusion will remain for the life of the policy.
For the remainder of my career I expect to be standing in the OR or endoscopy unit (I am training as an advanced endoscopist) and using my arms, hands and shoulders. The above stipulations make the policy useless since I mostly worry about musculoskeletal injury. What are my options? Can a letter from my orthopedics, PT and PCP mitigate these exclusions? I went through a financial planner who, I suppose, gets paid once I buy insurance from the company and he tells me that this is a good policy and I should purchase it. I would appreciate any advice. Looking forward to your reply! Thank you!!
On this background I applied, and divulged the above information. I don't take any medications and have since lost the weight I had put on and resumed regular activity and have a personal trainer. Received a clean bill of health from my PCP and my PT (physical therapist) recently.
The insurer excluded both shoulders, knees and foot and removed benefit update rider. They are willing to reconsider the knees and foot if I remain symptom and treatment-free for at least 2 years from the effective date of the policy, subject to evidence of insurability and underwriting. The shoulder exclusion will remain for the life of the policy.
For the remainder of my career I expect to be standing in the OR or endoscopy unit (I am training as an advanced endoscopist) and using my arms, hands and shoulders. The above stipulations make the policy useless since I mostly worry about musculoskeletal injury. What are my options? Can a letter from my orthopedics, PT and PCP mitigate these exclusions? I went through a financial planner who, I suppose, gets paid once I buy insurance from the company and he tells me that this is a good policy and I should purchase it. I would appreciate any advice. Looking forward to your reply! Thank you!!
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