Depending on the type and amount of disability insurance coverage you want, your disability insurance company may require a medical exam and certain types of lab tests before approving your coverage. Because disability insurance companies utilize various risk factors in determining coverage eligibility , it’s common for them to request third party verification that the information you have provided is accurate and obtaining (with your permission) copies of your medical records.
Typical Medical Exam Requirements for Disability Insurance
Information gathered via medical exams prior to policy approval may be used to determine coverage eligibility. Every disability insurance company requires applicants to complete a medical history questionnaire.
In addition to providing information via the questionnaire, pre-screening may also include:
- Blood sample
- Blood pressure screening
- Height verification
- Urine sample
- Weight verification