I’ve Applied for Disability Insurance, What’s Next?

4 minute read

We all know the importance of disability insurance for financial protection, (especially as a medical professional) but we often forget to chat about the entire process of disability insurance and how it works. 

Since the insurance world is so complicated, our goal is to make this process simple and easy for you. So here is the simple version of the disability insurance process. 


After you’ve reviewed your quotes and applied for your own-occupation disability insurance policy, the offer stage is next. 

After the insurance company you have applied with reviews your application they will prepare an offer for you. Commonly the benefits offer amount is approximately 60% of your earned income.

Once you receive your offer, you will have a grace period to review and make any changes you feel are necessary. After you have reviewed your offer you will sign and accept and are officially protected financially with disability insurance! 


In the event of an illness or injury that inhibits you to perform your duties, or is disabling, you should file a claim as soon as possible. You will file a claim directly with the company that provides your disability insurance policy. 

The first step in filing a claim is to locate your policy. Your disability insurance policy will house all of the information you will need to properly file a claim. Most companies will have you fill out a claims packet that will provide them with the information they need to process your claim. 

After this is submitted they will review the claim and be in touch with your next steps. If you are ever unsure or need assistance, we are here to help you. 

Remember, although you might have submitted your claim and been deemed as disabled, you will not receive your benefit until after your elimination period that is outlined within your policy. 

Once you have submitted your claim, it is approved by the insurance company, and you are passed your elimination period you will begin receiving your benefit payment. This payment is frequently received in the first month after your elimination period. You will continue to receive this benefit until you can return to work or your benefit period reaches its end date.

If you do fully recover and can return to work and perform your duties, you should immediately inform the insurance company to cancel your claim. 


As you further your career and become more financially independent, your need for disability insurance decreases. 

If at any time you feel that you are financially stable enough to survive off of your savings in the event of a career-ending disability, you can cancel your policy at any time. 

If you do get to that point, feel free to contact us and we can help you to end your policy. 

Insurance is complicated and our goal is to make it simple so you do not have to worry or stress about protecting your income. We are always here to help you through any process. If you have any questions contact us at contact@patternlife.com