What medical information does an underwriter use in evaluating my disability income application?
In addition to information concerning your income and investments, a company that agrees to provide you with disability insurance will also require that you provide it with a fairly detailed accounting of your medical history. In addition, you will also probably have to take a physical exam. The exam will include blood and urine tests, as well as a statement from the attending physician. Disability claims have been skyrocketing, so your employer or insurance agent will also be required to submit certain information about you as well.
