Are There Any Medical Questions or Tests Needed to Qualify for Disability Insurance?
With individual insurance, the insurance company wants to make sure you are healthy because they are writing an individual policy just for you. They often require medical questions, blood tests or a visit with a nurse or physician. With group insurance, the insurance company’s risk is lower because it is based on the claims history of the entire group, rather than your personal health history. Therefore, the insurance company is often able to offer a period of time where you can purchase Voluntary Disability Insurance without medical questions or tests. Certain conditions may apply.
