If you are asking how do you qualify to obtain a Disability Insurance policy, the answer is that you must have an income, you must fill out an application that goes through underwriting just like Life Insurance does, and then you must be approved medically.
If you are asking how do you qualify to collect a Disability Insurance benefit, you must have a disability that is not excluded from your policy and you must have waiting the length of time (elimination period) required to start collecting it.
You qualify for Disability Insurance by applying for a policy, just like you would for Life Insurance. You fill out an application and take a paramed exam in your home or other location of your choice. Not only do the DI underwriters look at your health, but they also take into consideration the nature or your job and the amount of income you make. Then they determine a rating based on the likelihood of your becoming disabled due to illness or injury, and how much Disability Insurance you can get based on your income. If your health disqualifies you, you may still be able to get a Disability Insurance policy with an exclusion, or get a graded DI policy.
From an underwriting stand point disability insurance is one of the most rigorous insurance policies in which to qualify. Not only does an underwriter look at your age, build, health status, lifestyle and state of residence but the earning and financial aspects like income and net worth. They will also want to know your occupation and how long you have worked in the industry.
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If you are asking how do you qualify to collect a Disability Insurance benefit, you must have a disability that is not excluded from your policy and you must have waiting the length of time (elimination period) required to start collecting it.