Private disability insurance is typically an individual policy that is purchased directly from a disability insurance company. These policies are individually underwritten, which means they can exclude certain conditions from coverage, including pre-existing conditions. Coverage with private disability insurance is less common than disability insurance obtained through employment, but these policies may provide benefits for COVID-related disability. Private disability insurance coverage replaces a percentage of the beneficiary’s income and typically lasts from the date of disability until the beneficiary reaches the age of retirement. The terms of these policies can vary greatly. If you are experiencing disabling symptoms of COVID-19 and you are not currently covered by a disability insurance policy, you will probably not be able to acquire a private disability policy that covers those symptoms because disability related to COVID-19 will be excluded as a pre-existing condition.

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