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Private Disability Insurance

sassy411sassy411 Posts: 208
edited 06/11/2012 - 1:51 PM in Health Insurance Issues
I've been self employed most of my adult life & just discovered I don't have enough credits in to apply for SSD.

I'm still working, because I force myself to, tho certainly not at my normal pace or productivity.

What do self employed people do for disability insurance? I never thought about it in all of these years, because, of course I'm invincible. Or so I thought.

DH has some coverage thru his employer, he's resarching that to see if he needs to add a private policy.

Is there a way I can get some kind of private disability coverage now, with pre existing conditions against the possible day when I can't work at all? Or is it too late\?

Anyone with any experience with private disability?


  • You can purchase private insurance but I am sure it will cost tons. They may request a physical and further could use your pre-existing condition as a rider for some time. However, you never know what will happen till you look into it.
  • You can apply for Private Individual Insurance but any pre-existing condition within usually the last 5-10 years will be an exclusion. Usually the exclusion is permanent. My individual policy does exclude my low back, but due to extensive cervical spine problems and bilateral knee problems and bilateral carpal tunnel that did not exist when I applied for the coverage in 2002 they are paying me. Should those conditions resolve and only my low back was a medical issue they could end my coverage. I was paying, in my 40's, $500/yr for $750/mo in coverage. It pays above and beyond my employer LTD. It CAN NOT be deducted from my employer LTD as I paid for it on my own and it was purchased in no relation to my employment. So even your husband should consider individual disability insurance to supplement what his employer offers AND thus have at least some benefit should he become disabled during a period when between jobs. Any independent insurance agent can "shop around" coverage for you. Some conditions may exclude a person from coverage such as Diabetes, HIV, etc.
    Multiple ACDFs, Multiple Lumbar Fusions; Rt TKR; Rt thumb fusion ; Lt thumb arthroplasty
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