Why does it ask if I am disabled?

One of the steps in the enrollment flow in Zenefits asks the enrollee to specify if they smoke or are disabled. This information is included on insurance applications to determine how claims are paid out.

It is up to you to decide how you want to answer these questions, and Zenefits employees will not be able to tell you what you should or should not select. However, the disability question pertains to a) whether or not the employee claims as disabled in their taxes and b) receives disability benefits.