What is required of an insured before they can access benefits from a disability income policy?

To access benefits from a disability income policy, being continually under physician care is a common requirement. This stipulation ensures that the insured is actively engaging with their healthcare provider to monitor their condition and receive necessary treatment. This ongoing medical oversight serves multiple purposes: it provides a verification process for the disability claim and reinforces the insured's commitment to recovering and improving their health status, which is pivotal in the context of a disability policy.

While other requirements may vary depending on individual policies or insurance providers, the necessity of physician care is a standard element in ensuring that the insured is genuinely unable to work due to their health issues. Additionally, it helps to confirm that the disability is ongoing and thus substantiates the claim for benefits under the disability income policy.