Hi jhattori -

Well, my work just recently offered voluntary long term disability for us to purchase.  I had a long conversation with the rep from the insurance company.  At the time they were offering it, we didn't have to go through any medical questionairs or exams.  I was advised to sign up at the first offering because if I elected it later, I WOULD have to go though a medical exam and I would most definitely be denied due to the MM.  Denial aren't good on anyones record.  Anyway, that wasn't your question!

Anyway, MM is considered a disease, not an in injury.  Disability due to a disease is limited to 5 years (well, on my plan anyway).  Sorry, that's probably not what you wanted to hear.  Has your dad had surgery?  Any disability due to a stroke?  Is he able to work?  Usually, they limit it to 5 years due to the fact that although you may not be able to go back to you profession, you are able to do alternative work.  Like I said - I had a long conversation with the insurance rep.

My advise - look at his policy closely.  Consult a lawyer if you feel it's necessary.

-Shari

Diane,
Unfortunately I don't know a Hal Hattori. Surprising, since Hattori is not a real common name.