Top 7 Causes of Disability

Top 7 Causes of Disability

If you’re reading this, you probably already have a disability insurance policy or are considering getting one. You recognize that becoming disabled is a real possibility with real consequences, which you cannot afford to ignore. But what could actually cause...
3 Reasons to Love Non-Can DI Policies

3 Reasons to Love Non-Can DI Policies

How strong are the guarantees in your individual disability insurance policy? The reason you buy a disability policy is to protect your income in case you ever become disabled and unable to work.  It’s as simple as that.  The policy will presumably protect your...
Avoid Restrictive Policy Definitions

Avoid Restrictive Policy Definitions

The definitions in your disability insurance policy may one day be used to determine whether or not you are disabled. Being sick or hurt and unable to work and do your job is only one part of that determination. The other part is the insurance company, your policy,...

“Own Occupation” Riddle

In my experience, physicians and dentists love asking about hypothetical claim situations and whether or not a disability policy will pay a benefit in various  situations. Below is a riddle that deals with a unique hypothetical claim situation and which illustrates...
Why You Need Future Increase Options

Why You Need Future Increase Options

If you’re in the market for an individual disability insurance policy, you should include the Future Increase Option (FIO) rider in your policy.  The younger you are, the more important these options are because they have the effect of protecting your future income...
Elimination Period Explained

Elimination Period Explained

This post is about a topic that is often misunderstood. It involves when you will get your money and that is always an interesting topic. Definition of Elimination Period Every disability policy has an Elimination Period. Do you know what that means? The elimination...

Is Your Disability Policy Doctor-Worthy?

Choosing the best disability insurance policy can be confusing and overwhelming.  Let me help.  The best place to start is at the beginning.  The first step is to determine which policy features will provide the best foundation for your policy. In my opinion, there...