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I just read a recent story on SDN about a surgeon with Ankylosing sponydlitis who had L-Spine x-rays obtained 1 year prior to obtaining their DI policy (12 years ago) 2/2 to sciatica, leading to a rider being placed on his insurance plan. This rider excluded "disorders and diseases of the bones, muscles, ligaments, and discs of the lumbar spine". per his post, he was dx with AS a few years prior and is now having issues performing his job and may have to utilize his DI, but may not be covered because of this exclusion.
This is concerning, as I have started the process of applying for disability insurance and am worried about being limited by potential "exclusions". I have a few minor health conditions (nothing serious), am very physically fit and otherwise healthy. However, about 1.5 years prior I had a large medical work-up (MRI, CT, serum studies, etc), which thankfully turned out to be nothing serious. Although I am healthy, risk averse, I am concerned that I may have exclusions on my DI plan as the above individual had an exclusion for just having X-rays w/o pathology.
With that being said, would one consider just applying for GSI for disability insurance? I have applied for own-occupation, but am trying to be proactive if an exclusion is placed on the plan and not worth obtaining. it is really unusual how DI works, as in the above example a person had an exclusion placed w/o a pathology, then developed a pathology and now may not have coverage. I appreciate any input, advice!
C.
This is concerning, as I have started the process of applying for disability insurance and am worried about being limited by potential "exclusions". I have a few minor health conditions (nothing serious), am very physically fit and otherwise healthy. However, about 1.5 years prior I had a large medical work-up (MRI, CT, serum studies, etc), which thankfully turned out to be nothing serious. Although I am healthy, risk averse, I am concerned that I may have exclusions on my DI plan as the above individual had an exclusion for just having X-rays w/o pathology.
With that being said, would one consider just applying for GSI for disability insurance? I have applied for own-occupation, but am trying to be proactive if an exclusion is placed on the plan and not worth obtaining. it is really unusual how DI works, as in the above example a person had an exclusion placed w/o a pathology, then developed a pathology and now may not have coverage. I appreciate any input, advice!
C.
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