Disability insurance with pre-existing condition
Hey everyone, I'm wondering if anyone knows how having a pre-existing condition affects disability insurance coverage?
I'm an incoming medical student at UBC. I attended the financial presentation put on by the university the other day, and in it they mentioned that having a pre-existing condition will complicate the insurance coverage. Personally, I have a permanent disability. Although it's been super well managed, I could have a flare up in the future that could force me to take time off school.
Anyhow, if anyone has experience with this and feels comfortable sharing, I'd love to hear what you have to say.