I Have A Choice: A Higher Monthly Income Or A Longer Benefit Period. Which Option Would Be Best?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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There is no correct answer. It depends on your situation. However, since a long disability can be particularly devastating, it would often make sense to opt for longer coverage even if this would reduce the amount of the disability payment somewhat. Again, you must determine what best suits your particular situation.

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