What characteristic is commonly associated with large group disability income policies?

The characteristic commonly associated with large group disability income policies is that they typically do not require medical underwriting. In large groups, the insurance company is able to balance risk across a larger population, which significantly reduces the need for individual health assessments. This allows for more streamlined enrollment processes and often provides an easier path for employees to obtain coverage, as they are not subjected to the potential barriers of health questionnaires or examinations that might be standard in individual policies. This aspect contributes to the attractiveness of large group policies, as employees can join regardless of their health status, fostering a sense of inclusivity and security.

In contrast, increased premium rates, mandatory waiting periods, and higher coverage limits may apply to various other types of policies or smaller groups but are not defining characteristics of large group plans. These aspects may vary based on the specific plan designs or underwriting guidelines of the insurer, rather than being universally applicable features of large group disability income policies.