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: Sep 15, 2020

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Be sure that you can get the new policy before canceling the existing policy. Also, be sure about how much the premiums will be and exactly what the terms of the new policy will be. Some things to consider are:

1. Elimination period

2. Amount of disability income provided

3. Length of disability to be covered

4. Description of what constitutes disability

5. What occupations you might be expected to perform

6. Can the policy be cancelled?

6. Can the rate be raised?