Generally, you will qualify for long - term disability insurance benefits if you are not able to do all, or substantially all, of the elements of your current job. (himpro.ca)
If you file a claim for disability insurance benefits based on a medical issue caused by a pre-existing condition, your claim will almost certain get denied. (policygenius.com)
To start receiving disability insurance benefits, you must be up to date on your premium payments at the time you incur your disability. (policygenius.com)