Depending on the health issues, you may still be able to get long-term disability insurance. In most cases, the health issue would be excluded from coverage as a pre-existing condition. For example, if you have arthritis at the time of application, then any claim for a disability related to or caused by arthritis would be excluded from coverage. In addition to exclusion, anextra premium may be charged for adverse health history. This is why it's important to get long-term disability insurance as soon as possible, before you experience adverse health conditions.