How To Get On Disability Insurance? 
To get on a Disability Insurance policy that you purchase yourself , you apply for the policy with a Life Insurance agency . You will be be asked your personal information , your health information , your income and the type of job you have . The agent will be able to find your lowest price based on that , then will fill out your application with you . After it is submitted to the insurance company , you will be asked to do a paramed exam in your home and the insurance company may order your medical records . Once this is completed , you will hopefully be approved , and you will be told the final rate at which you were approved . The policy will be issued and you accept it by paying the first premium . You will receive a copy of your policy for your records . 