How to Prepare for a Disability Insurance Medical Exam

Insurance Services Tips 

If you're applying for disability insurance, you'll likely need to undergo a medical exam to determine your eligibility. This can be a nerve-wracking experience, but with a little preparation, you can make sure you're ready for whatever the exam may bring. Here are some tips and tricks to help you prepare for a disability insurance medical exam.

What to Expect During the Exam

Before we dive into how to prepare, let's take a quick look at what you can expect during a disability insurance medical exam. The exam typically lasts between 30 minutes and an hour, and may include the following:

  • A review of your medical history
  • A physical exam
  • Vital sign measurements (blood pressure, pulse, etc.)
  • Urine and blood tests
  • Vision and hearing tests
  • Cognitive and psychological evaluations

The purpose of the exam is to evaluate your overall health and determine if you have any pre-existing conditions that may affect your ability to work. The results of the exam will be used to determine your eligibility for disability insurance and the premiums you'll pay.

Prepare in Advance

To make sure you're ready for the exam, it's important to prepare in advance. Here are some steps you can take to get ready:

Review Your Medical History

Before the exam, review your medical history and make note of any pre-existing conditions or medications you're taking. This will help you answer questions during the exam and ensure you don't forget any important details.

Get Plenty of Rest

Make sure you get a good night's sleep the night before the exam. This will help you feel more alert and focused during the exam.

Avoid Caffeine and Nicotine

Avoid caffeine and nicotine for at least 24 hours before the exam. These substances can affect your blood pressure and heart rate, which may impact the results of the exam.

Dress Comfortably

Wear comfortable, loose-fitting clothing to the exam. This will make it easier for you to move around during the physical exam.

Bring Your ID and Insurance Card

Make sure you bring a valid ID and your insurance card to the exam. You may also want to bring a list of any medications you're taking.

During the Exam

During the exam, it's important to stay calm and focused. Here are some tips to help you through the process:

Be Honest

Answer all questions truthfully and to the best of your ability. If you're not sure about something, don't be afraid to ask for clarification.

Follow Instructions

Listen carefully to the examiner's instructions and follow them closely. This will help ensure that the exam is accurate and thorough.


Try to stay relaxed during the exam. Take deep breaths and focus on your breathing if you start to feel anxious.

Ask Questions

If you have any questions or concerns during the exam, don't hesitate to ask the examiner. They're there to help you through the process.

After the Exam

Once the exam is over, there are a few things you can do to follow up:

Ask About the Results

Ask the examiner when you can expect to receive the results of the exam. This will give you an idea of how long you'll need to wait before you know if you're eligible for disability insurance.

Follow Up with Your Doctor

If the exam reveals any health issues or pre-existing conditions, follow up with your doctor to discuss treatment options.

Review Your Policy

Once you receive your disability insurance policy, review it carefully to make sure you understand the coverage and premiums.

Additional Tips

Here are some additional tips to help you prepare for a disability insurance medical exam:

Don't Overdo It

While it's important to be physically prepared for the exam, don't overdo it. Avoid strenuous exercise or activities that may cause injury or strain.

Stay Hydrated

Make sure you drink plenty of water before the exam. This will help ensure that your urine test is accurate.

Bring a Friend or Family Member

If you're feeling nervous about the exam, consider bringing a friend or family member with you for support.

Be Prepared to Discuss Mental Health

The exam may include questions about your mental health and well-being. Be prepared to discuss any issues you may be experiencing and any treatment you're receiving.

Know Your Rights

You have the right to request a copy of the exam report and to ask for a second opinion if you disagree with the results.


Preparing for a disability insurance medical exam can be nerve-wracking, but with a little preparation, you can make sure you're ready for whatever the exam may bring. By reviewing your medical history, getting plenty of rest, and following the examiner's instructions, you can help ensure that the exam is accurate and thorough. And once the exam is over, following up with your doctor and reviewing your policy can help you make the most of your disability insurance coverage. Remember, the exam is just one part of the process, and there are many resources available to help you navigate the world of disability insurance.