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What is disability insurance?

The purpose of disability insurance is to replace the lost income from work should you become disabled, and unable to work. The disability insurance policy will stipulate when you are eligible to begin receiving benefits. Usually, you must be unable to work for a specified amount of time before disability benefits begin to be paid to you. The amount of the payments, the duration of coverage, and a description of exactly what constitutes a disability are contained in the policy. The premium for the policy is determined by a number of factors, including: the amount of the income payments, the length of payments, exactly what constitutes a disability, and such personal risk factors as the state of health and type of employment of the insured.

Use the menu below to view more about Basics

  Basics

What Is Disability Insurance?
What Is The Relationship Between Risk And Disability?
Who Should Purchase Disability Insurance?
What Are The Odds Of Becoming Disabled? What Is The Average Duration Of A Disability?
What Does Disability Insurance Cover?
Is Disability Insurance Difficult To Obtain?
I Like To Go First Class. What Is The Top Of The Line Plan?
Does My Occupation Or The Type Of Work I Do Have A Bearing On My Eligibility?
Some Policies Cover Only Accidents Or Only Illness, Or Both. Should I Buy A Policy That Covers Both?
Are Partial Disabilities Typically Covered?
What Is Short-Term Coverage? What Is Long-Term Disability Coverage?
Won’t The Government Take Care Of Me If I Become Disabled?
When Do Social Security Disability Benefits Kick In?
I Am Getting Disability Payments From The Navy. I Am About To Start Receiving Social Security Retirement Payments. Will These Disability Payments Interfere With My Social Security?
How Does Private Disability Coverage Differ From Worker’s Compensation And State Disability?
What Is An Income Replacement Policy?
Should I Buy A Level Premium Policy Or A Rising Premium Policy?
I Want To Have A Nose Job. My Doctor Says I Will Have To Be On Disability For A Few Weeks. Is This A Problem?
I Am On Disability. If I Leave The House, Will My Employer Have Someone Follow Me To See If I Am Really Disabled?
I Was Working In My Garage When I Suffered An Accidental Injury. Will I Qualify For Disability?
  


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