“[Disability] insurers combat this by auditing nearly all applications …” “This has the effect of denying recompense for those who are truly disabled” People

“[Disability] insurers combat this by auditing nearly all applications …” “This has the effect of denying recompense for those who are truly disabled” People who are disabled should be rejected for disability insurance for the same reason people who are dead should be rejected for life insurance: the insured event has already happened. The time to apply for disability insurance is before you are disabled. Otherwise you will have some very heavy exclusions, or are in fact committing fraud.