Does Disability Insurance Cover Pre Existing Conditions? 
Preexisting conditions may affect a disability insurance policy in two different ways . When applying for a policy , you may be asked a variety of medical questions . This is a normal part of the underwriting process . The carrier may decline the application for a variety of prior and existing medical condition . If issued the policy , most contracts will contain exclusion language for preexisting conditions . Disabilities that begin within the first twelve months of the policy effective date are normally excluded from coverage . 