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

The application documents your representations.  The specific questions vary from one insurer to the next.



The insurer will search the Medical Information Bureau (MIB) database for history of prior declines and coverages with other insurers.

MIB Info


The insurer will search for prescription drug history that may be associated with high risk conditions.

What medications?


In Some Cases

A Paramed examiner may come to you for blood & urine and to take build measurements.

What to Expect


Medical records may be requested for cause.  Insurers get records themselves - this is not something you would be responsible for.


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.

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