I applied for long term disability insurance. Not because I anticipate problems, but because I don’t want Vicki and I to end up broke and homeless if I can’t work.
After review of your application, we regret to inform you that we are unable to issue a policy to you because of your longstanding history of multiple joint problems.
Because if there is one thing that would prevent me from typing all day, it’s chronic knee pain.
Try other insurance companies, or try going through a broker who will hopefully know if there are any insurers out there who are more lenient on joint issues.
A worse option may be to specifically ask for an exclusion on joint issues.
I think a joint exclusion is a good idea.