Disability Insurance Articles

Things to Know When You Buy Disability Insurance: All too often people try to buy Disability insurance using similar strategies used when purchasing a car. With Disability insurance more than most things however, you get what you pay for. It is important that when you buy Disability insurance, you know what to look for other than just the pricing. This article provides a list of important keywords to look for along with other insights that help make it easy to buy Disability insurance.

Save Money On Disability Insurance Premiums As a Female Professional: If you are a female professional that is in the market for Long Term Disability insurance, you should know that Disability insurance companies charge higher premiums more for women than they do for men. As a female professional, it is important that you learn about the different ways that you can save on your Disability insurance premiums without having to sacrifice the benefits. Whether you are a female business owner or a female professional working for a small, medium or large business, you could qualify for significant savings on your Disability insurance premiums.

Importance of the Residual Disability Rider: Did you know that just having a Disability insurance policy may not be enough. Basic DI policies provide coverage for a total disability only. In order to make sure you are truly protected, you must add a Residual Disability rider to your policy. Learn more about what a Residual Disability rider provides.

Exclusions For Pre-Existing Conditions on Your Disability Insurance: Disability insurance is one of the more comprehensive types of coverage one can obtain. It is very important to fully understand each of the provisions included in your Disability policy, including an "exclusion" for pre-existing medical conditions.

What To Expect When Applying For Disability Insurance: Similar to Life insurance, individual Disability insurance is something that must be applied for. In order to obtain coverage, you must submit an application along with other requirements to the insurance carrier you chose to work with. During this process, it is very important to maintain realistic expectations on pricing, timing and potential exclusions or ratings.

FERS – Disability Insurance For Federal Government Employees: It is all too often that I hear Federal Government employees speaking of how great their benefits are because they work for the Federal Government. In regard to their group Long-Term Disability insurance however, the Federal Employee Retirement System (FERS) program falls short of their elite reputation.

Disability Insurance for Young Professionals – How To Design Your Policy: Purchasing a quality Disability insurance policy while you are young is one of the hardest yet smartest financial decisions you will ever make. Our ability to earn an income is the most valuable financial asset we have. As a young professional it is important to obtain a quality policy designed to protect the occupation and life style you have today, but also that which you will have in the future. This article explains the important provisions that young professional should concentrate on when obtaining Disability insurance.

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