Get the Right
DISABILITY INSURANCE

Disability insurance pays a benefit if you can’t work because of illness or injury. It covers you for total disability and partial disability.

Disability plans have a “Definition of Disability” that describes when benefits are payable.  The benefit period is how long they are payable. The elimination period is how long after disability occurs  benefits are payable.

Disability plans also have exclusions that describe when benefits aren't payable. Common exclusions are injuries caused by suicide attempt, or the commission of a crime. Disability because of a preexisting condition or illness may also be excluded. Disability plans may also limit coverage for certain conditions. Mental illness and substance abuse benefits are often limited.

Disability plans pay benefits when the definition of disability is met and the elimination period is satisfied.

An individual disability insurance policy can follow you throughout your career and has numerous advantages over group disability insurance. Your disability doesn’t need to have been caused by your job for it to be covered by individual or group disability insurance.

There are two kinds of individual disability insurance: long-term and short-term. They cover two different disability scenarios. You may be able to convert your short-term coverage into long-term coverage if your disability is more serious than you and your doctors initially realized.

Shopping for disability insurance yourself can be a downer. It’s hard to know where to look or how to find a good deal. Luckily, independent insurance agents are here to handle the hard parts for you.

Independent insurance agents are industry experts who aren’t bound to any one company. They can compare quotes from multiple insurers to find you the coverage you want at the right price. Shopping for disability insurance with an independent insurance agent is shopping smart.