Who Qualifies For Disability Insurance? 
In order to qualify for disability insurance you must be a favorable risk in a few different categories . First is your occupation . The underwriter will want to know your employment history , job duties , earnings , net worth , education to that job and skill levels . Next is your health history . The underwriter will want to know your age , build , health history and will want you to take a paramed exam for fluid samples . Last is your lifestyle . The underwriter will want to know if you use tobacco products , drugs both illegal and prescription , your extracurricular activities , if you exercise regularly and any above normal risks . As you can see underwriting a disability insurance plan is very extensive . I would recommend using an experienced independent broker to help you navigate these plans and requirements . 