"Pre-existing limitations can really limit your opportunities to collect disability benefits. If you become eligible for your insurance, there's a look-back period. It's generally 90 days, six months, or as long as a year, where the carrier gets to look back to see whether you've treated, been evaluated, been told, or had any known indication of a disease or a disorder. Or you got prescribed prescription medication. Even if you didn't fill it, the carrier can look back, apply a pre-existing limitation, and you will not get any benefits." -Frank Darras