Does Disability Insurance Require Medical Exam? 
Does disabilty insurance require a medical exam ? It depends . Group disability does not require a medical examination in most cases because of contractual limitations or pricing that compensates for it . A high pay out possibility group plan -LRB- like a medical practice -RRB- would expect to have medical underwriting and possible medical exams . Likewise with individual coverage , the extent of processing an application is going to depend on the amount applied for , age of the appilcant and risk classification . Disability plans can involve potential millions in payouts , you would guess for those situations , no step is not covered . 