In the 1950s, when disability insurance first became popular, it was primarily sold to doctors, lawyers, accountants and other professionals who often operated their own small practices and were entirely dependent on their ability to work in order to pay their business expenses and generate personal income→ Read More
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This depends on the details of the policy→ Read More
No Disability insurance protects you from loss of income when you cannot work→ Read More
Insurers Typically Limit Coverage To 60% Or So Of My Pre-Disability Earnings. This Falls Short Of My Needed Coverage, Should I Become Disabled. Why Can’t I Buy Multiple Policies To Get Full Income Replacement?
Insurance companies are aware of the danger of too much disability coverage creating an incentive for a person to stay on disability even when it is medically possible for him or her to return to work→ Read More
Yes One of the factors insurance underwriters consider in determining your eligibility for disability insurance and setting an appropriate premium, is your risk of getting ill→ Read More
Statistics show that women live longer and tend to have more disabilities, so rates for women are generally higher→ Read More