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Private Disability Insurance question.
Oct 30, 2002

I am a mid-40s male who has paid for his own disability insurance for many years(almost 20).Incremental increases in coverage were purchased until 1997, when I presume the company found out about my AIDS diagnosis. I am now considering taking disability. Do you think I would have any difficulty with a rejected claim??I understand the inconstestability limit is generally two years. Thank you.

Response from Ms. Franzoi

As long as based on the medical evidence provided by your doctor, you qualify for disability pursuant to the provisions of your policy, I see no problem. You need to apply to find out whether or not you qualify.

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