Medical Considerations for Long Term Disability Insurance
For those of us who have purchased a life insurance policy to protect our families in the event of our death, we surely remember that there were medical considerations associated with the type of policy we were able to procure and the amount we ultimately had to pay in premiums. After all, reasonable insurance companies must adjust their policy rates based on statistics - in other words, the likelihood of our death at a particular age.
But for those who are exploring the possibility of long term disability insurance, they may be surprised to learn that there are medical conditions that must be met as well. While policyholders may not be turned down for a policy, their rates will surely be affected if they are found to be in poor health. The process of getting a long term disability insurance policy requires a medical exam after which the following health conditions are considered:
* Weight and height. Weight to height ratio may be a consideration in determining policy rates, as obesity is a significant factor in a host of health issues.
* Blood pressure. Because high blood pressure can lead to heart attack, stroke, and a variety of other health conditions, it is taken into consideration for those seeking a comprehensive disability insurance plan.
* Cholesterol. High cholesterol is a factor in heart disease and is monitored accordingly. Those with high cholesterol may be subject to higher disability insurance policy rates.
* Family history. If there is a notable family history in terms of disease and illness, this will also be taken into consideration when determining policy rates.
* History of drug or alcohol abuse. Any history of drug and alcohol abuse is taken into consideration when it comes to disability insurance and may ultimately prevent an applicant from receiving a long term disability insurance policy.
* Use of tobacco. Any use of tobacco is largely prohibited for those seeking disability insurance policies through most reputable insurance companies.
*Employment and Hobbies. A hazardous job or the pursuit of what would be considered dangerous hobbies may prevent a person from receiving a disability insurance policy.
Popularity: 39% [?]