I do not have short term or long term disability. Options?

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PostPosted: Mon Jun 27, 2011 6:04 pm   Post subject: I do not have short term or long term disability. Options?  

I need to have surgery. I do not have short term or long term disability. What are my options?


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PostPosted: Mon Jun 27, 2011 6:14 pm   Post subject:   

Many insurance companies will write you a short term and long term disability policy but they are usually quite expensive.

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PostPosted: Sat Jul 16, 2011 2:34 pm   Post subject: kBqwUxnUIKbqZo  

Ya learn somtehnig new everyday. It's true I guess!


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PostPosted: Mon Jul 18, 2011 5:47 pm   Post subject:   

You can things like AFLAC and other disability insurance companies. Lots of times they require a physical or waiting period due to pre-existing conditions.



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PostPosted: Mon Jul 18, 2011 5:49 pm   Post subject:   

Those types of policies are also quite restrictive in what they will pay out for.



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PostPosted: Mon Jul 18, 2011 5:50 pm   Post subject:   

Many independent agents can help you find a short term or long term policy. The problems you may run into are they are often quite expensive, have long waiting periods, and can be restrictive in what they will pay for.



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PostPosted: Tue Jul 19, 2011 11:55 am   Post subject:   

The main point that all of the responders have missed is this:



If you have a known disability -- "I need to have surgery" -- you are not going to qualify for even the most minimal benefit available. It's a pure lose for the insurance company.



While an insurance company only insures "pure risk" -- no chance of profit in a claim situation -- they expect to make a profit every time they issue a policy. And they mostly manage to do that.



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PostPosted: Sat Aug 06, 2011 6:48 am   Post subject:   

Yes i agree, if you have a pre medical condition then no insurance company can take such risk, it is a deal of loss for them.



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