How To Qualify For Long Term Disability Insurance? 
To qualify for Long Term Disability Insurance , you must earn an income and be of favorable enough health that you can qualify medically for the Disability Insurance policy . There are also some age guidelines . The process of qualifying includes filling out an application and taking an exam , just as you would if applying for life insurance . Once the underwriting review is complete , the premium is set , the policy is issued , and you put it into effect by paying the first premium . 