Will I need to take a medical exam to apply for long-term disability insurance?

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To apply for long-term disability insurance, you will probably have to submit some medical information. Depending on your health history, your age and the amount of insurance applied for, you may also be required to take a paramedical exam. This exam is paid for by the insurance company and scheduled at your convenience. Usually, the exam takes about 20-30 minutes and involves basic measurements (of height, weight, pulse and blood pressure) and may also require blood and urine samples for analysis.