Printer Friendly View
Add To Favorites
It is important to take into consideration that every disability income policy may have different features. The following checklist will help you compare your current policies or one you may be considering:
1. How is disability defined? Inability to perform your job? Inability to perform any job?
2. Does the policy cover accidents, on the job injuries?
3. Are benefits available only for total disability? For partial disability? For residual disability?
4. If I file a claim, how often can the company require me to submit to medical exams and functional capacity exams?
5. The maximum benefit will replace what percentage of my income?
6. Is the policy non-cancellable, guaranteed renewable, or conditionally renewable?
7. How long must I be disabled before premiums can be waived?
8. How long will you continue to receive benefits after you are disabled?
9. How many days must you be disabled before you can receive benefits?
10. Can my disability insurance company take my social security disability benefits?