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Disability / Activity Limits (under 65)

Modern U.S. life / SI / mortgage-protection underwriting knowledge — actuarial decision framing for software.

Knowledge priority 7/10 Not legacy dump tree

Actuarial software-knowledge disclaimer: These pages synthesize typical U.S. life / simplified-issue / final-expense / mortgage-protection underwriting logic used industry-wide (2024–2026 field guides, carrier appetites, reinsurance mortality framing). They are not any single carrier’s filed rates, not advice to applicants, and not the legacy 2022 database dump. Use them to design interview schemas and carrier-ruleset APIs.

Actuarial view

Disability before 65 signals elevated mortality/morbidity. Source (SSDI vs private LTD) and underlying diagnosis matter more than the label alone.

Primary risk drivers

Age
Underlying cause
SSDI / LTD / WC
ADL / cognitive limits
Expected permanence

Life (full / accelerated)

Map drivers → rate class / flat extra / postpone / decline. Labs & Rx history refine.

Mortgage / FE SI

Active disability usually blocks mortgage level SI.

Health insurance

Need underlying diagnosis for health.

Recommended interview logic (software schema)

Currently disabled or collecting disability income (under age 65)?

Yes — temporary post-surgery under 6 months

Postpone

Yes — SSDI permanent, any cause

Usually decline Level SI

Yes — mental disability primary

Often decline Level

Typical decision patterns

Profile	Traditional / Express-style	FE / Mortgage SI path
Not disabled	OK	OK
Active SSDI under 65	DECLINE Level SI	GI / rare exceptions

Software implementation note

disability_active, disability_source, link to disease module cause.