How Hard Is It To Get Disability Insurance? 
How hard is it to get disability insurance ? Well let 's qualify it this two ways . First is it hard to get a poor disability policy ? No , it 's really easy and as long as nothing happens to you , you 'll never know if was money wasted or not . If something happens however , that 's when you find out . The other choice is a good disability policy with a real solid definition of disability that does n't find ways to reduce or even take away your benefit . Those will be hard to get , underwritten tightly and work fantastic if needed . Why so hard to get ? A payout on a disability policy that has that strong definition could pay out into the millions when a COLA rider is attached to it and with the strong definition , a person could still collect while working in another field . The RISK to the insurer is high , so they underwrite tight . 