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Why is a health exam required to buy long-term disability insurance?

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.

Saturday Insurance Services, LLC (“Saturday” or “Saturday Insurance”) is a licensed, digital insurance advisor. All tools, quotes, and information provided by Saturday are for educational purposes only and based on the limited information, if any, provided by you. We urge you to consult with your financial and tax advisors before making any purchase decisions. All quotes and estimates are non-binding and are not to be construed as a guarantee you will be able to purchase insurance. Availability of insurance and final pricing is determined solely by our insurer partners and subject to their review and acceptance of a completed application. All product guarantees are subject to the claims-paying ability of your insurer.