Does anyone know if it is hard to get private form insurance if you are currently out on LTD? Will they put you into a high risk pool?

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Answers:    It can be very difficult, depending upon the disability and the produce of the disability. You might be able to find a policy that would exclude the disability but cover everything else. Visit a local independent agent to see if any companies in your nouns will accept you and what they will do concerning the disability. There is no extra charge using an agent.

Many, but not all, states own a high risk pool. If you can't get on a private policy that would be your subsequent step. Also, many states have "medically needy" Medicaid plans which you may qualify for base on the disability, not just income.

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