Quote:
Originally Posted by ginnie
You are right, a private insurance would have been great. Unfortunatly, I was NOT accepted by any company for insurance due to pre-existing conditions. Even my parents tried to find a company they could afford for me. It was outside the relm of possibilities for me. That is what happens when you have a real medical issue young, and then can't get insurance. ginnie
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Exactly.
Purchasing disability insurance when you have a pre existing condition that makes it difficult for one to work, really isn't a feasible option. Private companies, who could charge exorbitant rates, still don't want to write that policy. You can't blame the US government, who can't change the premium based on our medical histories, for not being able to offer disability insurance for the "uninsurable." It is NOT the government's fault that you couldn't work enough to take advantage of the disability insurance they offer.