Disability Insurance Articles

Disability Insurance Benefits for Mental Illness Claims: Responsible for approximately 12-15% of claims, mental/nervous conditions continue to be a leading cause of Long-Term disability claims. Does your current or prospective Disability policy cover mental illness for the full benefit period or are you restricted to a 24-month benefit period?

Disability Insurance – Using the Guaranteed Increase Rider to Protect Your Future Earnings As a person's income continues to increase throughout his/her career, the need for additional Disability insurance will also increase. Without including the Guaranteed Increase Option Rider on your Disability coverage, you are risking your ability to increase coverage in the future as your income increases. This article provides information about how important it is to include a Guaranteed Increases Option on your policy, particularly as a young professional.

How Much Disability Insurance Coverage Do You Need? Disability insurance is a financial services product used to protect a person's most valuable financial asset, the ability to earn an income. Due to the importance and complexity of Disability coverage, there are many factors that must be decided on, including the amount of monthly benefit a policy should provide. So how should someone determine how much Disability benefit they should have?

Residual and Recovery Disability Benefits - A Must Have for Private Practitioners Most medical and dental professionals understand the need for Disability insurance. For this reason, the intent of this article is not to explain why you should have Disability coverage, but more so what exactly Disability insurance is, and more specifically why a quality Residual disability rider is so important for private practitioners. Disability insurance is an insurance product that provides people with a partial replacement of income when an illness or injury prevents them from being able to work and earn an income.

Disability Income Protection For the Small Business Owner There are two types of Disability Income protection that small business owners should own: Long-Term Disability insurance and Business Overhead Expense coverage. This article explains what each of these coverages are, what they do and why they are so important to have as a small business owner.

The Best Disability Insurance to Protect Your Family Disability insurance provides financial security to you, your family and your future. With so many options out there though, how will you know what is best? This article provides insight on what type of Disability insurance is best for protecting you and your family.

Residual Disability Rider – Expanding Your Disability Benefits Understanding what qualifies a person for Disability insurance benefits is very important. After all, people purchase Disability insurance because they want to feel comfortable knowing that if a disabling injury or illness strikes, they will continue to receive a paycheck. But, what actually qualifies a person to receive disability benefits?

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