Disability Insurance after getting out of the military

[sdemers8589]

I'm looking for some advice and information about disabilty insurance in the civilian world after i get out of the military. I've had a few very minor musculoskeletal injuries while active, and they're in my medical records now. It seems that most of the demtists I have worked with have to go to their mandatory separation VA appointment before getting out. Several of them ended up getting a pretty high disability rating for similar mild musculoskeletal conditions that have resolved, and now receive a monthly payment for it. They don't seem to be having issues with getting their disability insurance.
However, when I talk to my dentist friends who have never been in the military, they NEVER go see a doctor about anything (like not even a stuffy nose) bc they all have horror stories about being denied disability coverage or getting ridiculous rates the silliest things .
Does anyone know if there are laws, regulations, etc, that allow "disabled" vets to receive disability insurance? Im NOT asking this because I'm fishing the make false VA claims, but simply to know how hard I should try avoiding any forced VA disability ratings when it's my time to get out. I do currently carry a small civilian policy, so hopefully that will help.

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[Big Time Hoosier]

Does anyone know if there are laws, regulations, etc, that allow "disabled" vets to receive disability insurance?

So, you are asking if the government forces private companies to make potentially bad bets on you? If you do get insurance, expect your premium to reflect the liability you pose.

Big Hoss

 

[LFA20]

I'm looking for some advice and information about disabilty insurance in the civilian world after i get out of the military. I've had a few very minor musculoskeletal injuries while active, and they're in my medical records now. It seems that most of the demtists I have worked with have to go to their mandatory separation VA appointment before getting out. Several of them ended up getting a pretty high disability rating for similar mild musculoskeletal conditions that have resolved, and now receive a monthly payment for it. They don't seem to be having issues with getting their disability insurance.
However, when I talk to my dentist friends who have never been in the military, they NEVER go see a doctor about anything (like not even a stuffy nose) bc they all have horror stories about being denied disability coverage or getting ridiculous rates the silliest things .
Does anyone know if there are laws, regulations, etc, that allow "disabled" vets to receive disability insurance? Im NOT asking this because I'm fishing the make false VA claims, but simply to know how hard I should try avoiding any forced VA disability ratings when it's my time to get out. I do currently carry a small civilian policy, so hopefully that will help.

Was this injury caused by military training?

 

[sdemers8589]

So, you are asking if the government forces private companies to make potentially bad bets on you? If you do get insurance, expect your premium to reflect the liability you pose.

Big Hoss

You misunderstood. I'm just trying to figure out if the military/VA is going to screw me over with some bogus VA disability rating. I keep hearing stories of dentist who got out and then 3 months later they receive a check with a disability packet in the mail.
For example, I know of one guy who had a foot stress fracture, tore his miniscus and another minor similar injury, and he was given something absurd like 50% disability. He's obviously not disabled and has no side effects from the healed foot and miniscus injury. I mean, I guess it's cool that the governmemt basically faudulently pays out all this money every month for these disability rating. But this seems like the government forcing us to have companies make bad decisions about us based on false Information.

 

[Big Time Hoosier]

Got it. If your musculoskeletal injuries don’t involve your neck, back, shoulder, arm, or hand, they might not affect your ability to get insurance all that much. The companies might also just exclude coverage for certain things based on your history. But this is just my speculation. Also, does your small policy have the option to increase coverage without a new medical exam? I know mine does. It’s limited to like $25,000/year while I’m active duty, but I can increase the coverage to like $80,000 without a new medical evaluation when I get out. Good luck!

Big Hoss

 

[ysrebob]

Oh the military disability racket. A well-intentioned and necessary system, rampantly abused. When I was on active duty, people separating at the end of their HPSP obligations would finagle a way to get diagnosed with sleep apnea: presto, a small military disability payment every month for the rest of their lives.

I did break a bone while on active duty and some other minor stuff. I was very adamant throughout the separation medical exams that all injuries were 100% healed and great again. Did not want disability rating, and was not given any. My impression was you have to advocate for a disability rating to get one.

Aren't you on some kind of inactive reserve status for the rest of your life if you're receiving a disability check? I was ready to make a clean break from the service.