I’m sorry to hear you are stressed out over this issue and very glad you decided to post on this forum to get answers.
Most disability insurance offered without medical evidence has something called a pre-existing condition clause. For OMA Insurance, this means if you saw a doctor for a condition in the 1 year prior to your policy date, they may deny the claim for disability related to that condition in the first year of coverage. Once the first year of coverage is over, you will be fully covered for all conditions. All companies have a pre-existing condition clause. When the OMA first started offering insurance sixty years ago, the idea was to make sure physicians of all health types were able to get coverage. That is why we offer our members a 1 year pre-existing condition clause.
The industry standard for most disability coverage is a 2 year pre-existing condition clause. If you saw a doctor for a condition 2 years prior to your policy date, they may deny the claim for disability related to that condition in the first 2 years of coverage. After the first 2 years of coverage is over, you will be fully covered for all conditions.
It’s best to ask questions and get advice directly from the company you have questions about, so that the information is up-to-date and accurate.
I hope this helps but if you have more questions, please feel free to connect with me directly to discuss your particular OMA Insurance policy and I am happy to answer any questions you may have.
SHEILA GODSE Specialist, Education & Engagement Ontario Medical Association / OMA Insurance Inc. 150 Bloor St. West, Suite 900, Toronto, Ontario M5S 3C1 email: firstname.lastname@example.org | tel: 416.340.2246 | cell: 416.602.4997 | tf: 1.800.268.7215 ext. 2246 | fax: 1.855.432.2998 | web: www.OMAinsurance.com