When denied disability insurance, you have a few options to choose from. I am assuming that you don't have an employer that can provide you a policy.
1) You could try to contest the decline. Getting a letter from your doctor, correcting any mistakes on your MIB, or taking a new exam are all steps that we sometimes take with our clients to see if the denial can be reversed.
2) With disability insurance, some companies will make exemptions for certain health conditions or risk factors. Rather than flat out deny you, it may be that you can shop around and find another company that will issue you a policy with or without an exception for the risk that got you declined.
3) If you are unsuccessful in finding disability insurance after taking these steps, you can put away $100 or more per month so that you will have something to draw on if you were to become disabled. Think of it as paying a premium that is due every month so that you are not tempted to let it slide. It won't add up quickly, but it could help you save your home or car.
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1) You could try to contest the decline. Getting a letter from your doctor, correcting any mistakes on your MIB, or taking a new exam are all steps that we sometimes take with our clients to see if the denial can be reversed.
2) With disability insurance, some companies will make exemptions for certain health conditions or risk factors. Rather than flat out deny you, it may be that you can shop around and find another company that will issue you a policy with or without an exception for the risk that got you declined.
3) If you are unsuccessful in finding disability insurance after taking these steps, you can put away $100 or more per month so that you will have something to draw on if you were to become disabled. Think of it as paying a premium that is due every month so that you are not tempted to let it slide. It won't add up quickly, but it could help you save your home or car.