What is proof of insurability?
“Proof of insurability” refers to the written evidence that verifies you are insurable according to the general underwriting standards of the insurance company. Your proof of insurability is generally determined through medical and/or financial underwriting. Please note: Medical underwriting typically involves a paramedical exam (which is arranged at your convenience and at the Plan’s expense), blood draw, and a report from your attending physician. Insurance companies routinely gather information about applicants in order to evaluate each individual who applies for coverage. Every ADA Member who requests coverage through the ADA Insurance Plans is individually underwritten. But once you have provided acceptable proof of insurability to initially qualify for coverage, you can continue that coverage as long as each Plan allows, no matter what happens to your medical condition and/or financial circumstances thereafter.
