Broker Check
Can you get disability insurance with health problems?

Can you get disability insurance with health problems?

March 15, 2024

Have the unknowns of underwriting kept you from applying for disability insurance? Disability insurance is important and can protect your family if you’re too sick or hurt to work, but the process of applying for coverage can seem daunting if you have a medical condition and don’t know what to expect. 

The underwriting process involves an evaluation of your risk of disability and the likelihood of making a claim. Here's a breakdown of some of the factors that are reviewed during underwriting and can impact your premium:

  • Health History: Underwriters will review your health history by asking you questions in an online or phone call interview. These questions will cover medical conditions, family history, and prescription medication usage. They may pull medical records from your doctor’s office or ask you follow up questions about prescriptions. If you have a medical condition, there may be extra paperwork to complete about your diagnosis. 
  • Exam: Depending on your age and the amount of coverage you’re applying for, you may be requested to do a mini-medical exam. A nurse can come to your home, the hospital or office to complete this requirement. Many disability insurance providers have loosened their parameters around exams in recent years, and more applicants can get coverage without an exam needed.
  • Lifestyle Factors: Factors such as smoking, alcohol consumption, drug use, and engaging in high-risk activities (like extreme sports) can increase your risk of disability and subsequently lead to higher premiums. 
  • Age and Gender: Age plays one of the biggest roles in your insurance premium. Coverage will always be less expensive the younger you are. Women can expect to pay more for coverage than men, as insurance companies see women as more likely to need to go on claim. 

If you have a health condition, you are generally not automatically declined disability insurance coverage. Insurance companies can exclude conditions from your policy or adjust your benefits so you can still obtain coverage. An insurance professional can help you work through underwriting barriers and get the highest limit and lowest cost coverage for your specific situation.

Contact us today if you have questions about your disability insurance eligibility, for a custom quote, or for a review of your existing coverage. We work with all major disability insurance companies to provide quote comparisons so you can get the best coverage available. Get your quote today.