John Ryan

It's almost always underwritten. One of the beauties of employer plans, and we really like employer plans, is that it's usually no questions asked. It's a guaranteed issue. As soon as you become employed, you go down to the human resources office and sign a few papers and you're covered immediately. Now there is a preexisting conditions clause, but there's no exam, no lab work, no medicals.

Within individual policy, it's fully underwritten. So there'll be a formal application. They may request medical records. They may send a nurse to your home or your work to do your lab work. There's a medication search that they do. The underwriting for individual disability insurance is the most rigorous there is when it comes to buying a policy like this.

Within individual policy, it's fully underwritten. So there'll be a formal application. They may request medical records. They may send a nurse to your home or your work to do your lab work. There's a medication search that they do. The underwriting for individual disability insurance is the most rigorous there is when it comes to buying a policy like this.

Within individual policy, it's fully underwritten. So there'll be a formal application. They may request medical records. They may send a nurse to your home or your work to do your lab work. There's a medication search that they do. The underwriting for individual disability insurance is the most rigorous there is when it comes to buying a policy like this.

Yes.

Yes.

Yes.

There is a database that like they do for your driving record, but there's also a medication database that they go to.

There is a database that like they do for your driving record, but there's also a medication database that they go to.

There is a database that like they do for your driving record, but there's also a medication database that they go to.

Yeah, you bet.

Yeah, you bet.

Yeah, you bet.

It is. It's not as popular a coverage as you would think. And I don't usually recommend it because I think the dollars are better spent maybe looking at a private disability policy to supplement the employer plan. I believe the emphasis should be on the catastrophic, the loss that you just can't sustain, can't tolerate, which would be the long-term loss. But the AFLAC-type coverages...

It is. It's not as popular a coverage as you would think. And I don't usually recommend it because I think the dollars are better spent maybe looking at a private disability policy to supplement the employer plan. I believe the emphasis should be on the catastrophic, the loss that you just can't sustain, can't tolerate, which would be the long-term loss. But the AFLAC-type coverages...

It is. It's not as popular a coverage as you would think. And I don't usually recommend it because I think the dollars are better spent maybe looking at a private disability policy to supplement the employer plan. I believe the emphasis should be on the catastrophic, the loss that you just can't sustain, can't tolerate, which would be the long-term loss. But the AFLAC-type coverages...

It's basically, as they say in the ad, gap coverage. There might be something higher deductible. There may be certain conditions that are not covered by your basic employer plan that the supplemental hospitalization plan can pick up.

It's basically, as they say in the ad, gap coverage. There might be something higher deductible. There may be certain conditions that are not covered by your basic employer plan that the supplemental hospitalization plan can pick up.

It's basically, as they say in the ad, gap coverage. There might be something higher deductible. There may be certain conditions that are not covered by your basic employer plan that the supplemental hospitalization plan can pick up.

It'll cover those expenses that your basic health insurance does not cover.