Individual Disability Insurance

The Qualifying Process

Insurers rely on many sources of information to make a decision whether to accept an application for individual disability insurance.  Here's the quick tour.

 

Sources of Medical Information

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 Started

 

Learn about the process in personally relevant detail as you provide your information, followed by a recommendation built around your qualifications and preferences.

What are you looking for?

Disability Underwriters

1420 5th Avenue   Suite 2200

Seattle, WA     98101

(206) 673 2219