It’s like a bad nightmare. You are st anding in your physician’s office as your doctor tells you to strip completely naked. As you take off your clothes, you hear giggles erupt behind you. You turn around and find yourself back in your 6th grade class as the students are pointing and laughing at your naked body. Your shrew of a teacher, Miss Haggerty, is tapping a wooden ruler in her h and as she tells you to bend over and cough.

Screaming into the night won’t get rid of the dreaded feeling you have about taking a medical examination for your disability insurance. You’ve heard the tales from friends. The cold sterile room you’ll have to sit in. The disgruntled medical examiner pulling the plastic glove over their h and. The weird positions you have to contort your body into as they exam every inch of your body searching for something that will make them deny you insurance coverage, while they seriously consider the mole on your left buttocks shaped like Richard Nixon as an affront to all that is wholesome and good about this country.

Put your fears and bad dreams to bed. Full physical examinations are not required when getting disability insurance. So long as you answer all questions honestly about your medical history, you won’t have to go through an examination. You’ll only undergo a medical physical if you become disabled at work as you file a disability claim. Even then, most examinations don’t last more than 10 minutes as the doctor focuses on the injured area of your body.

So obtain disability insurance while keeping your clothes on. Your mole will still be your secret.