We authored this website to provide you with buying guides and information, so that you can make an educated choice and pay the lowest premium available. We do not sell insurance.
What To Look For In A Disability Insurance Policy:
- Get at least two quotes for disability insurance an independent agent
- Find out if you can get into a group disability insurance plan
- Get disability insurance guaranteed renewable so you can only lose
coverage from non-payment
- Make sure a disability insurance plan non-cancelable which prohibits raising of
your premiums prior to 65
- Include partial disability in your disability insurance so if you're
impairment is gradual, you’re covered
- If you are younger, look for an inflation rider, which ties
benefits to a cost-of-living index
- A guaranteed insurability rider allows you to increase coverage
without another medical exam
- Make sure the disability insurance policy covers disability arising from either accidents
or illnesses
- Calculate your sick leave when determing what waiting period to get on a disability insurance plan
- Get own occupation protection so that if you
can’t perform your job, you can get your disability insurance benefits
- Your disability insurance policy should cover cosmetic or transplant surgery
- Survivor benefits will pay your beneficiaries if you die while receiving disability insurance benefits
- Make sure your policies waiting period doesn't start over again
if you have a recurrent disability
- A supplemental social insurance rider may pay an added benefit if
no government benefits are payable for your impairment. If a government
benefit is paid, this added benefit will be reduced on a dollar for dollar basis
[Burial Insurance] [Health Insurance] [Second To Die Insurance] [Disability Insurance] [Long Term Care Insurance] [Medigap Insurance] [Contact Us for Insurance] [Insurance Directory] |
