FAQ: What Happens After I Apply for Disability Insurance?

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By deciding to purchase disability insurance, you have taken a positive step in protecting future income in the case of a debilitating accident. Whether you have an individual long-term disability policy that you purchased from an insurance agent or a group disability policy provided by your employer, what happens next is the same. In this blog post, Gregg S. Marcus, a Long Island Insurance Executive discusses what happens after you apply for disability insurance.

The first thing that happens is that you will receive a phone call from the insurance company to review some of the questions on the application and to have you re-answer the medical questions. This may seem redundant since you may have already answered the same questions, but his step ensures that the underwriter has all of the information he/she needs and that there are no discrepancies on your application. In many cases, the next step is to take a medical exam. The exam consists of taking your height and weight, blood pressure and pulse and obtaining a urine and blood sample. If you apply for a very high amount of coverage, and/or you are over a certain age, you may be required to do a resting EKG. The insurance company covers the cost of the exam.

The underwriter will need income verification to prove that you qualify for the monthly benefit that you are applying for. Typically, a W-2 or recent pay stub is sufficient. If you are self-employed, or if you have significant other income such as capital gains or dividends, the underwriter may ask for full individual and/or business tax returns. After the underwriter has reviewed the application and exam, they may request medical records from your physician(s) or other health care professional. It is after these records are reviewed when the application can be approved or denied. An application may also be approved on a modified basis, based on something in your records.

The total time it takes from the application to a final decision is typically three to six weeks, depending on how quickly we are able to obtain all of the necessary documentation. The best way to get a quick approval is to complete the interview and exam in a timely manner. In addition, if you know that the company has ordered medical records, if you can call the doctor’s office yourself, this can sometimes speed up the process. If you are an employer looking to purchase a policy for employees or an employee looking to expand on current employer’s coverage in Nassau County or Suffolk County on Long Island in New York, contact Gregg S. Marcus for a quote today.

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