shopify analytics ecommerce
tracking

Disability Insurance

Income During Disability

Some people have a tendency to ignore the importance of disability insurance.

They do not include it in their insurance portfolios even though they consider life insurance, health insurance, auto insurance and insurance for the house they own of paramount importance.

These people gamble against the odds that they could become disabled...


In the event of your Disability you, as well as your family, could have Serious Financial Problems. Compare Disability Insurance Quotes and Save!


Disability Insurance Facts

When you consider that one in three people will be disabled for at least 90 days during their working years this gamble is a foolhardy one. Consider also that the average disability lasts over 3 years. This type of insurance should be considered a priority.

  • Definition Of Disability

    When considering disability insurance the definition of disability is important as this will determine whether or not you get paid. If you are unable to perform the primary duties of your chosen occupation you are disabled. If you are unable to work in your own occupation a good disability policy will pay the amount for which you are insured. If on the other hand you own a policy which states that you are disabled if you cannot perform any duties in any occupation you will never get paid as that definition indicates that you have to be at deaths door.
  • Non Cancellable And Guaranteed Renewable Policies

    Pay special attention to the wording of your disability insurance policy. It should be non cancellable and guaranteed renewable disability insurance. That means that the insurance company cannot refuse to renew your policy within a specific period of time, usually to age 65. The premiums cannot be increased by the insurance company unless set forth in the policy and the terms of the policy cannot be altered in any way.
  • Elimination Period

    Another thing that can cause you not to be paid by your disability policy is the definition of elimination period. You may have for example a "90 day elimination period". You become disabled then after a month's treatment you are feeling better and decide to go back to work. You don't make it through the week. With many policies your elimination period starts over again. You have to wait 90 additional days before you get paid. A good disability policy considers the month that you were already disabled for the same illness and adds that period of time to your elimination period. You therefore only have 60 more days to wait to get paid. You can choose an elimination period of...

    30 Days

    60 Days

    90 Days

    180 Days

    1 Year

    The shorter the elimination period the higher the premium.

    Benefit Period

    This is the period of time for which you will be paid an income from your disability policy. Most companies have benefit periods that will last...

    2 Years

    5 Years

    To Age 65

    A Lifetime
  • Premiums

    Premiums are usually guaranteed level. Some companies have an increasing premium policy. The start out with a very low premium and it increases as the risk to the insurance company increases.

Click on the following link as Disability Insurance information is also on that page.


When you consider that one in three people will be disabled for at least 90 days during their working years this gamble is a foolhardy one. Consider also that the average disability lasts over 3 years. This type of insurance should be considered a priority.

  • Definition Of Disability When considering disability insurance the definition of disability is important as this will determine whether or not you get paid. If you are unable to perform the primary duties of your chosen occupation you are disabled. If you are unable to work in your own occupation a good disability policy will pay the amount for which you are insured. If on the other hand you own a policy which states that you are disabled if you cannot perform any duties in any occupation you will never get paid as that definition indicates that you have to be at deaths door.
  • Non Cancellable And Guaranteed Renewable Policies Pay special attention to the wording of your disability insurance policy. It should be non cancellable and guaranteed renewable disability insurance. That means that the insurance company cannot refuse to renew your policy within a specific period of time, usually to age 65. The premiums cannot be increased by the insurance company unless set forth in the policy and the terms of the policy cannot be altered in any way.
  • Elimination Period Another thing that can cause you not to be paid by your disability policy is the definition of elimination period. You may have for example a "90 day elimination period". You become disabled then after a month's treatment you are feeling better and decide to go back to work. You don't make it through the week. With many policies your elimination period starts over again. You have to wait 90 additional days before you get paid. A good disability policy considers the month that you were already disabled for the same illness and adds that period of time to your elimination period. You therefore only have 60 more days to wait to get paid. You can choose an elimination period of... 30 Days 60 Days 90 Days 180 Days 1 Year The shorter the elimination period the higher the premium. Benefit Period This is the period of time for which you will be paid an income from your disability policy. Most companies have benefit periods that will last... 2 Years 5 Years To Age 65 A Lifetime
  • Premiums Premiums are usually guaranteed level. Some companies have an increasing premium policy. The start out with a very low premium and it increases as the risk to the insurance company increases.

Click on the following link as Disability Insurance information is also on that page.


Be certain your disability company will pay when you need them. The Definition Of Disability can be Quite Misleading. Compare Disability Insurance Quotes and Save!


Home Disability Ins. Disability Ins Quote Individual Disability Ins Professional Dis. Insurance Mortgage Disability Ins Long term Care Insurance Affordable Life Insurance Annuities Business Life Insurance Best Life Insurance Policy Buy Sell Agreements Cheap Life Insurance Decreasing Term Life Insurance Estate Planning Financial Planning How Much Life Insurance Incontestability Lapsed Life Insurance Policies Life Insurance Online Life Insurance Settlement Life Insurance Income Medical Examinations Mortgage Life And Disability Ins Permanent Life Insurance Professional Diasbility Ins Retirement Planning Whole Life Insurance

Tools And Resources

Life Insurance Need Calculator

Recent Articles

  1. Life Insurance - Reasons Why You Should Buy Now

    Should life insurance buying be seen as an urgent matter? There is something about some people that at times may cause them to procrastinate about matters that could end up being quite costly...

    Read More

  2. Affordable Term Insurance - Affordable Term Life Insurance Policy

    Let us talk affordable term insurance. You want a policy that can fit into your budget, right?

    Read More

  3. Advantages Of Whole Life Insurance - Advantages To Owning Whole Life Insurance

    It can be a very satisfying feeling when you become aware of the advantages of whole life insurance for the first time.

    Read More

  4. Best Term Life Insurance Rate - Learn Which Is The Best Term Insurance Rate

    The best term life insurance rate can be quite easily found on the internet today because web insurance companies have done intense research on behalf of the consumer.

    Read More

  5. Great 30 Year Term Insurance Policies Explained - 30 Year Term Life Insurance

    I recently did some research on the development of the 30 year term insurance policy over the years. What I learned was quite interesting.

    Read More