Story at-a-glance
- Most physicians and dentists do not need a medical exam when applying for disability insurance.
- Some insurance companies require one only if you’re over a certain age or applying for a large monthly benefit.
- In 2025, exams may be required by:
- Guardian – Age 45+
- MassMutual & Principal – Age 50+
- Ameritas – Age 50+ and over $5,000/month
- The Standard – Over $10,000/month
- If needed, the exam is quick and simple.
Most Applicants Don’t Need an Exam
Good news: the majority of doctors and dentists applying for disability insurance won’t be asked to take a medical exam.
If you’re under 45–50 and applying for a typical amount of monthly coverage (like $5,000–$10,000), most carriers can approve your policy using your application, medical records, and prescription history only.
Even better:
If you’re a resident or fellow, many hospitals have no-exam guaranteed standard issue (GSI) programs—meaning automatic approval, even with health conditions.
When an Exam Might Be Required
Some insurance companies require a brief medical exam if you meet certain age or coverage limits. Here’s how it looks for 2025:
- Guardian: May require an exam if you’re over 45.
- MassMutual: Typically requires an exam at age 50+.
- Principal: Also requires exams for those over age 50.
- Ameritas: Requires an exam if you’re over 50 and applying for more than $5,000/month.
- The Standard: Exam required for anyone applying for more than $10,000/month in coverage.
These rules are based on company guidelines and may vary depending on your exact application.
What’s Involved in the Exam?
It’s a quick, non-invasive check—usually done at your home or office:
- Medical history review
- Height, weight, blood pressure, and pulse
- Blood and urine sample
- Sometimes an EKG (for higher benefits or older applicants)
It’s nothing to stress over—and for healthy applicants, it can actually help you qualify for better rates.
Can You Avoid It?
Yes! You may be able to skip the exam if:
- You’re younger than the carrier’s age cutoff
- You apply for less than $5,000–$10,000/month in benefits
You’re in residency or fellowship at a hospital with a no-exam GSI program
Final Thought
Most people applying for disability insurance won’t need a medical exam—especially if they’re younger or in training. But if you’re applying later in your career or for a higher monthly benefit, some insurers may require it. The exam is simple and often worth it for stronger, longer-lasting protection.
Curious if your age or benefit amount will require an exam? Click the button below to request your personalized quote.
We’ll let you know exactly what to expect—and how to apply the easy way.
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