How to Apply for Disability Insurance

 
From start to finish, M.D. Financial Services helps with applying for disability insurance and takes the uncertainty, frustration and concern out of finding the coverage that's right for you. Here's how:

1: Get in touch with our office, either via email or phone. We'll work directly with you to determine your exact needs and to insure that the right coverage is put in force for you.

2: Complete the application that will be sent to you via FedEx or UPS. This usually takes only about 5-10 minutes. Sign all forms in the highlighted areas and submit the required documentation/verification of income. (Note: If you're employed, you'll provide a copy of the previous year's tax return, plus a year-to-date pay stub. If you're self-employed, you'll provide a year-to-date Profit-and-Loss statement along with the previous year's tax returns.).

3. Return the application in the enclosed overnight envelope that we'll provide at no cost to you.

4: Complete the phone inspection, which should take no more than 10 minutes. We'll provide you with the call-in number.

5: Schedule your paramedical exam. It will take only 15-20 minutes to execute a quick blood draw, UA, and on occasion, based on higher benefit amounts, a resting EKG. All of this can be done from the convenience of your home or office, any time of day or night, Monday through Saturday.

6: The application is processed. At this point carriers will order medical records, driving records, etc., to determine eligibility. It can take from 3-6 weeks to receive your contract, based in large part upon the turn-around time for which your physicians submit your requested and pre-paid medical records (Note: Occasionally, we may request your help in acquiring these records in order to expedite your contract offer.

7: Your new contract offer is received. We'll scrub the contract for accuracy and then present the details to you for review.

8: Sign your contract, submit payment for the policy and return via the enclosed pre-paid overnight package.
With your policy now in force, you'll have the peace of mind that comes from knowing you've provided for you and your family one of the best disability contracts on the market. Then, typically on an annual basis, we'll send you either a future-purchase option or automatic-coverage-increase option to ensure that you have the most appropriate coverage possible.

 
 
 
 
 
w/ Scott Nelson-Archer
  Definition of Disability
  Not everyone offers the coverage that is best for you. We work with the top companies to give you the protection you need.
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w/ Angie McKamie
  Making It Easy for You
  No matter where you live or practice medicine, we make securing and managing disability insurance simple, efficient and cost effective.
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M.D. Disability Insurance Services is owned by M.D. Financial Services, Inc.