To make sure everyone pays a fair rate for their disability insurance, insurers may do an assessment of your health which may require an in-person health exam. It’s a straightforward process that should only take about 30 minutes.
If an exam is necessary, the insurer will have a trained technician contact you to setup an appointment at a time and place convenient for you. They can meet you at home, work or at one of several approved labs in your area. The process involves asking a few health questions, taking basic measurements (e.g. height, weight, blood pressure), and potentially taking a blood sample.
All the information obtained during the exam is kept strictly confidential and used for assessing your insurance application only. You will also receive a copy of all test results.
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