What is typically required by most disability income policies for the insured to receive benefits?

To receive benefits from most disability income policies, it is typically required that the insured be under physician care. This requirement serves to ensure that medical professionals are actively involved in the treatment and management of the insured's condition. It is the physician's responsibility to evaluate the individual's disability, provide documentation regarding their ability to work, and outline the duration of the disability. This information is crucial for the insurance company to determine eligibility for benefits and the extent of the coverage provided.

Being under physician care not only validates the legitimacy of the claim but also helps in ensuring that the insured is following a prescribed treatment plan, which can lead to recovery or mitigation of the disability. This medical oversight is a key factor in the decision-making process of insurers when it comes to disbursing disability benefits.

Other options, such as being employed full-time or having a job offer, are not generally required for benefit entitlement because disability income policies are designed to support those who are unable to work due to medical conditions, regardless of their employment status prior to the disability. Similarly, proving financial need is not a standard requirement since disability income insurance is intended to replace lost income, independent of the insured's financial situation.