u/biocakeman

Hello,

I am considering applying for short, then longterm voluntary disability due to a long standing medical condition. I have read that I am subject to a 12/12 pre-existing condition limitation. This includes consultation, diagnosis, prescribed medications, etc., for something an issue I have had for most of my life. Does this imply that I will never qualify for this disability, because I have had these issues for this long?

In my mind, what is the damned point in paying for this if I cannot even take advantage of this? Obviously, of course besides an acute accident, I feel like this forever rules me out of a benefit I have paid for, for almost 4 years.

Thank you for any advice!