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If you are planning to purchase an individual disability insurance policy, here are some questions to consider:
1. What is the elimination period?
2. What benefits are available to cover possible loss of income?
3. Does my current or past medical condition affect my ability to purchase disability insurance?
4. Is there a pre-existing limitation to the disability insurance coverage?
5. What are the disability insurance premium rates?
6. Is the disability insurance policy guaranteed renewable to age 65?