private disability plans. I have a question... I have seen lots of post advising to get a personal disability plan.... can you do this with an existing med condition ? can anyone give me some names of plans to check out. ? or some sort of direction to go to find out.. not sure how much longer I can do this ( work that is ) I have short term and long term through work with Cigna.. but as many have said some times they deny you . I am concerned about this. any help will be greatly appreciated .