Individual Disability Insurance

Medical Underwriting

Qualifying for individual disability insurance involves a review of several sources of medical information.

 

Sources of Medical Information

Insurers get medical information from several sources.

For Every Application

Application
Medical
Information
Bureau
Prescription
Drug
Database

In Some Cases

Paramed
Exam
Medical
Records

You will not need a special exam with your doctor.

Examples of Relevant Medical History

These are not automatic disqualifiers. 

They are, however, important for making decisions regarding placement and policy configuration because insurers have varying tolerances for any given medical history. 

  • Psychological counseling

  • Sleep studies

  • Restless Leg

  • Substance counseling

  • Fatigue

  • Fainting, dizziness

  • Persistent pain such as migraine headaches

  • Chiropractic visits

  • Orthopedic surgery (e.g., knee, shoulder, hip)

  • Cardiovascular issues of any kind, including chest pain

  • Prescription drugs 

  • Symptoms reported in medical file

  • Testing recommended but not completed

  • Hospitalization or surgery in the last year

  • Insurance history where the outcome was a decline, special rating, special exclusion rider, or modified offer.

Get a Prediction

Want a prediction of probable underwriting outcomes?

Let's talk it over informally.

Disability Underwriters

1420 5th Avenue   Suite 2200

Seattle, WA     98101

(206) 673 2219