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Car Loan Disability Insurance

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SFC L. Thompson

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I checked the status of my VA claim status on eBenefit.com Friday (May 20, 2016) and discovered that my claim was increased from 80% to 100% Total & Permanently. I have not yet received the actual award letter in the mail, but have a question that someone may to able to help me with. I have 3 active loans from my credit union, all of which have disability loan insurance. I have never missed a payment, I'm retired Army and prior to being award 100% I've been at 80% for over 4 years I also have a small pension from employment after the military. My question is now that I'm at 100% total & permanently disabled can I file a claim with my credit union and have the insurance make my payments although I have not worked in 4 years and had and have other income prior to becoming total and permanent?

Edited by SFC L. Thompson
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You will need to read your insurance contracts to see if you qualify.  If your effective date is before the date of the insurance, the answer is likely, "no".  

You will also need to check to see if it excludes pre existing conditions.  

Its okay to apply, but I would not hold my breath.  

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