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To be eligible for individual disability income, an individual must work full time and is defined as follows:

1.Working at least 30 hours per week.
2. Earn an income of at least $ 20,000 annually.
3. working away from home, with the exception of persons who are in a home for businesses, if their duties require them to leave their home office located their businesses regularly.
4. have worked in the same occupation for a period of at least 12 months.
Persons who are self-employed in the 12 months preceding the application are not responsible for the disability insurance.
5. Be aged between 18 and 60
6. to be able to read and speak English, because the customers must be able to understand the conditions of the policy.

A. Occupation

Insurer with an operational timetable for determining the level of risk associated with different class occupations.The applicant determined by the type of coverage and the premium to pay for that coverage. It is important that you describe your job accurately with a full listing of tasks in the application.

If the proper classification is difficult to determine, it is acceptable to the ratio of the lowest class, may apply. A complete description of the work and tasks with the application and ask the insurer for a class adjustment.

B. Medical Underwriting

When completing the application, it is extremely important that the medical history with special care. Details of any yes answer, including the date of the occurrence, doctors seen, the diagnosis, treatment, and recurrence or residual effects of substances.

C. Underwriting Impairments

Disability insurance is more stringent than the life taken over.

1.Pre existing conditions: The following are several methods that can be used to these conditions are met:

a) The insurer is the inclusion of riders, exemptions or exclusions from the scope of a specific problem or part of the body

b) The insurer may be an additional premium, if there is a pre-existing disease can result in a variety of disabilities

c) The removal may be extended.

d) The benefit period can be shortened. This method is often used in combination with a rating.

e) If the request was approved on a modified basis, optional benefits may not be made available to the insured.

If the request is rejected, either for the medical, financial or other reasons, the applicant should immediately be informed. The insurer will refund the premiums directly to the applicant.

D. Financial Underwriting

Many insurers use the issue to participate and tables to determine the amount of power they are ready to issue for different incomes.

a) Income: Earned income consists of salary, bonuses, commissions, fees and other payments that the person receives as a result of their work. The technical review process 2 years of financial documents.

b) Investment income: Investment income is income, such as net rental income, capital gains, interest, capital gains, pensions, disability and other group insurance.
In general, if the income is less than 15% of income, property income is ignored, while underwriting. If the amount of property income is equal to or greater than 15% of income, this amount must be taken into account to provide insurance.

I hope this information helps. If you need more information about this topic, please visit my website at:

Kyle J. Norton
http://medicaladvisorjournals.blogspot.com
http://disabilityinsurance05.blogspot.com/
All rights reserved. Any reproduction of this article have all the links intact.
I have been studying natural remedies for prevention for more than 20 years and works as a Financial Consultant since 1990