Hi all,
I am a surgeon, diagnosed with ankylosing spondylitis a few years ago. I have had disability insurance for 12 years (signed up as a resident), and may need to use it now, since it is becoming difficult to stand in the OR for long periods of time.
There is a "rider" on my disability insurance policy from 12 years ago that excludes "disorders and diseases of the bones, muscles, ligaments, and discs of the lumbar spine." This was included because a year before I signed up for the policy, I had some sciatica and got some L-spine X-rays, but which resolved on its own and never came back again. This was completely unrelated to my anklyosing spondylitis.
My ankylosing spondylitis involves the entire spine (C-spine, T-spine, L-spine). Will they reject me because of the rider that excludes L-spine disease, even though it is a condition that affects the entire spine?
Any thoughts greatly appreciated. Thank you!
I am a surgeon, diagnosed with ankylosing spondylitis a few years ago. I have had disability insurance for 12 years (signed up as a resident), and may need to use it now, since it is becoming difficult to stand in the OR for long periods of time.
There is a "rider" on my disability insurance policy from 12 years ago that excludes "disorders and diseases of the bones, muscles, ligaments, and discs of the lumbar spine." This was included because a year before I signed up for the policy, I had some sciatica and got some L-spine X-rays, but which resolved on its own and never came back again. This was completely unrelated to my anklyosing spondylitis.
My ankylosing spondylitis involves the entire spine (C-spine, T-spine, L-spine). Will they reject me because of the rider that excludes L-spine disease, even though it is a condition that affects the entire spine?
Any thoughts greatly appreciated. Thank you!