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September 19, 2008, Newsletter Issue #26: Some Things You Should Know About Getting Disability Insurance Quotes
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Tip of the Week
Before getting disability insurance quotes, you should learn some basics about the topic. Here are some suggestions as you consider getting a quote for disability insurance.
Understand the various definitions of disability as used by insurance companies. If, through injury or illness, you are unable to perform the duties of your occupation, you are often considered to be disabled. But specific definitions of covered disability may differ somewhat in the language of various policies. Learn the difference between short- and long-term disability from an insurance language perspective. Should you have both types of coverage? Can they be matched for maximum coverage and minimum waiting periods? Talk with your tax advisor so you can better understand the tax considerations of premiums paid and receipt of benefits. Along with your regular monthly budget, give thought to a “disability” budget that considers a minimum income level you need in the event you could not work for some period of time. Once you have built up a working knowledge base, you’ll be able to find the best and lowest disability insurance cost quotes. Consider these the first steps to quoting and purchase of the best deal disability insurance for you. Using respected sources, like ProtectYourIncome.com, will give you the information you need to make the right choice.
Refer to your insurance policy contract for specific information regarding your coverage and for actual terms, conditions and exclusions. The above statements are general in nature and may or may not reflect the actual terms of your insurance policy.
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