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Disability Income Insurance: Individual: 101

What To Expect When Applying For Disability Insurance

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When applying for individual disabilty income insurance:

  • You will be asked to copmlete an application which includes questions about both your current health status and health history.Questions must be answered truthfully. Even if a policy is issued without checking on your answers, a future claim may be denied if your answers are false. THERE IS NO NEED TO VOLUNTEER INFORMATION THAT IS NOT REQUESTED.
  • A medical exam will likely be required.
  • Your doctor will be requested to supply your medical history.

There is no standard for how long the process takes. It could take weeks or even months. You can help speed the process by alerting your doctor that a request is coming, and stay on top of the doctor's office to be sure the necessary paperwork is completed.


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