How longncan you qualify for private disability insurance??

I have been paying for private disabulity ins.almost 20 years...I was laid off from work last year and and just had an arm lift & eye lift after fastric in 2002...They will only cover me if I am house confined,,,they consider being on narcotic pasin relievers as house congfined.....How long can I go for??????? Thanks...Irene

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