How long do pre existing condition clause exclusions typically last under current rules for private disability insurance policies?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How long do pre existing condition clause exclusions typically last under current rules for private disability insurance policies?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
private individual disability insurance pre-existing condition limitation exclusion period 12 months 24 months US policy Google ↗
state insurance department disability income insurance pre-existing condition exclusion limitation period individual policy Google ↗
- DB101 Minnesota - Short-Term and Long-Term Disability Insurance: Frequently Asked Questions · mn.db101.org
- NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES · dfs.ny.gov
- Maine Bureau of Insurance · maine.gov
- Standards for Individual Disability Income Insurance Policies · insurancecompact.org
- Montana Code § 33-22-110 (2025) - Preexisting conditions :: 2025 Montana Code Annotated :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- Statutes & Constitution :View Statutes : Online Sunshine · leg.state.fl.us
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
private individual disability insurance pre-existing condition limitation exclusion period 12 months 24 months US policy OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
state insurance department disability income insurance pre-existing condition exclusion limitation period individual policy OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |