how to buy a great individual disability insurance policy
TRANSCRIPT
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HOW TO BUYA GREATINDIVIDUALDISABILITYINSURANCEPOLICY
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If your profession is important to youand you've invested in your education,
protecting your livelihood should bea top priority.
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An individual disability insurance policyis a great place to start, but shopping forthe right policy with the best features,
advantages and benefits can be daunting.
Here's what to look for when shoppingfor a comprehensive individual disability
insurance policy.
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1. MAKE SURE IT'SNON-CANCLEABLE.
This will prevent theinsurance company fromcancelling your policy andleaving you high and dry.
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2. LOOK FORGUARANTEEDRENEWABLE.
This will help ensure yourpremium stays the sameprice year after year, evenwhen you get older.
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3. LOOK FOR APOLICY THAT ISOCCUPATION-SPECIFIC.This helps protect youreducation, your professionaldegree, and/or your expertise.
If you become disabled andcan't perform the specificduties of your occupation,
you should qualify fordisability benefits.
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4. SELF-REPORT ORMENTAL/NERVOUSLIMITATIONSSHOULD BE CLOSELYEXAMINED,ELIMINATED, ORLONGER THAN24 MONTHS.
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5. BUY A POLICYWITH COST-OF-LIVING ADJUSTMENT(COLA).
If you go on claim, you'll getan annual bump to keeppace with inflation.
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Contact a top-rated national disabilitylawyer for a free consultation about yourdisability insurance policy, claim or appeal.