Final answer:
Chloe's cardiac problem is considered to be congenital, meaning it was present from birth.
Step-by-step explanation:
The disease that Chloe was born with, which she will have to manage for the rest of her life, is considered to be congenital. Congenital diseases are those that are present at birth and are often caused by genetic or environmental factors during pregnancy or childbirth. In Chloe's case, her cardiac problem was present from birth, which is why it is categorized as a congenital disease.