Permanent Disability Instructions

What steps should be followed to make sure the application is completed correctly?

  • The customer must complete Sections 1 and 2 in their entirety in dark ink. Please remember to sign the application.

  • A Medical Doctor (MD) or a Doctor of Osteopathy (DO) must complete Section 3 in its entirety, including in which states he or she is licensed to practice, the appropriate license number for each state, and his or her signature. This information is required in order for the application to be considered valid.

  • The diagnosis must be listed on the application and not in an attached letter; however, additional information detailing how this condition prevents the borrower from working in any capacity may be in an attached letter on the doctor's letterhead.

  • If the exact date that the medical condition began cannot be determined because of its progressive nature, then the date that the borrower was first treated for the condition is acceptable.

  • The date the medical condition began and the date the borrower could no longer work in any capacity must be listed in month/date/4-digit year (MM/DD/YYYY) format or the discharge process may be delayed.

  • If any corrections are made on the application, a letter of explanation is required to accompany the application as to why the changes, such as typographical error, human or record error, or new information, were necessary. This letter must also include the full name of the person making the changes.

If any of the required information is missing, federal regulations require that we return the application to the borrower to be completed.

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