Comparing Long Term Disability Insurance Policies When you’re looking at disability insurance comparisons from different sources, make sure to pay close attention to the specific terms of the policies you are considering. While there are many similarities among long...
To help a disabled insured person return to work in his or her own occupation, most disability insurance policies include a rehabilitation benefit. This benefit will pay some of the expenses incurred when the insured enrolls in an approved rehabilitation program. The...
For the purposes of determining the exact circumstances under which an insured may be entitled to benefits under a disability income insurance policy, Total Disability can be defined in two general ways: Own Occupation Definition of Disability Under this definition,...
It may surprise you that only 14% of disability insurance claims are caused by injuries, most are caused by illness. Thus, the number of claims due to illness is six times more likely to occur than claims due to injuries. (1) The following gives actual recent claims...
Disability insurance coverage is one of the most overlooked, under-attained coverages in the United States, even though availability of it is on the rise. About 100 million workers are without disability income insurance. There are several reasons for this disturbing...
Learning about disability insurance can be a daunting task, especially if one doesn’t know the meaning of the specialized words, of which there are many. In this disability insurance glossary, we have defined many of these terms used throughout this website and,...
We represent the top disability insurance companies specializing in disability insurance with an own-occupation definition of disability. We believe the financial strength of the insurance company should be a factor in your choice of companies. The following are the...
Much like the women’s liberation movement and the civil rights movement for ethnic minorities, the disabilities rights movement sought equal access, opportunity, consideration and basic human respect and dignity for those born blind, deaf, or with other forms of...
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According to a recent study, most people estimate they have only a 16% chance of becoming disabled during their working years1 – in spite of the following startling facts2: If you’re under age 35, chances are one in three that you will be disabled for at least six...
