Agent Owner, Gilmore Insurance Services, Marysville, Washington State
Does Hipaa apply to disability insurance? Not sure how you mean it, but in some ways yes it does. The insurance company that you are applying to will have you sign off on a HIPAA form that gives your permission to the insurance company to contact your doctors and other medical services to gain information for underwriting purposes.
As far as the insurance companies themselves, they have always operated under privacy laws set up by their industry. The HIPAA form is a bit of a redundancy as it applies to insurance.
Social Media Strategist, Disability Insurance Services, California
Yes, you'll have to sign a HIPPA form when applying for disability insurance--even if you apply for simplified underwriting. They have to be able to order your medical records should anything pop up on a script check. They might also ask you to sign a release form for any psychiatric notes if you've ever seen a counselor or therapist.
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As far as the insurance companies themselves, they have always operated under privacy laws set up by their industry. The HIPAA form is a bit of a redundancy as it applies to insurance.