Unfortunately, not everyone can qualify for disability income protection – sometimes a past medical event or on-going health condition prevents coverage. The reasons an applicant may be denied long-term disability coverage are usually based on one of two factors: the applicant’s medical risk or lifestyle risk. A traumatic medical event is often the catalyst for an individual to seek out disability insurance, but for many insurance carriers, these individuals are no longer insurable, or the applicant might be postponed until they are treatment-free for a certain period of time. Some of our carriers have the flexibility to cover individuals with complex medical or substance abuse histories. Below are some medical conditions considered.

ADD/ADHD Addison’s Disease Alcoholism
Aneurysm (except brain) Angina Pectoris Anxiety
Arthritis
Attempted Suicide

Bipolar Disorders

Cancer

COPD

Crohn’s Disease Depression
Diabetes
Drug Abuse
Elevated Liver Enzymes Epilepsy
Fibromyalgia
Heart Attack
Heart Murmurs – Organic Heart Valve Replacement Hepatitis
Hodgkin’s Disease Ileitis
Intestinal by-pass Kidney transplant Lupus, Discoid Meniere’s Disease

Mental/Nervous Disorders Multiple Sclerosis
Obsessive Compulsive Disorder Osteomyelitis
Overweight
Pacemakers
Pancreatitis
Paraplegic
Peripheral Vascular Disease Poliomyelitis
Psoriatic Arthritis
Pyelitis
Rheumatic Heart Disease Rheumatoid Arthritis Sarcoidosis
Sleep Apnea
Spondylitis, Ankylosing Tuberculosis
Ulcerative Colitis