I tend to be blunt and so my opinion can be taken as a lecture especially when I am trying to explain the reasons for my opinion.

The original question was how to buy private disability insurance with a pre-exisisting known condition that will lead to disability because SSDI will not be enough money to provide a living in an expensive part of the country because the poster is averse to living elsewhere.

Shorter answer; probably not possible.

And I also own a nice home in northern California in a nice neighborhood and the price is 1/2 of what the poster says is required. But I don't live in the bay area in and around San Francisco either.

Good advice for anyone; work and save and live below your means.