Re: not telling at work-Disability Insurance

[Guest guest]

So, the disability insurance I was talking about would be bought

privately by me, has nothing to

> do with my company. I have asked the person I talked to about this

and she said if something happens where I am under doctor's care a

day after I buy

> it, I will be covered. But I guess I have to wait and see the

exact wording Carole

Dear Carole,

Be very careful with disability insurance policies. Make sure that

if you buy a policy, it doesn't have a pre-exising condition clause.

A good friend purchased a policy a year before pregnancy but her

claim was denied when she finally did get pregnant and needed to go

out on disability because she had previously had fertility

problems/treatments prior to purchasing the policy. They denied her

claim and refunded her premiums. Obesity can be looked at in the

same way. You eventually have WLS but they deny your claim because

you were obese prior to purchasing the policy.

Jane J.