Not always. You answer health questions, and for larger amounts or at older ages the insurer may also ask for a medical exam, blood tests or a report from your doctor. If you can’t qualify for a fully underwritten policy, simplified issue and accident-only plans ask fewer or no health questions, with lower limits or narrower coverage.
Do I need a medical exam for disability insurance?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
Spot a mistake? Tell us and a licensed advisor will check it. Email compliance@garrett.ca
More about disability insurance
Replaces part of your income if illness or injury stops you working.
More questions about disability insurance
- Does the Canadian government offer disability coverage?
- What types of disabilities are covered by disability insurance?
- How do my age and income affect my disability insurance?
- What are the differences between group and individual disability coverage?
- What happens to my disability insurance if I leave my job?
A question about your coverage? Ask us.
No obligation. We’ll tell you plainly what we think, including when you already have what you need.