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Thread: What are the coverage characteristics for disability insurance?

  1. #1
    Member Level 0
    Join Date
    Nov 2010

    Default What are the coverage characteristics for disability insurance?

    What are the coverage characteristics for disability insurance?

  2. #2
    Senior Member Level 1 DavidBlock's Avatar
    Join Date
    Oct 2010
    Asheville, NC


    Harry, I am quite disappointed that I have never seen these questions over the years. That said, there are too many "characteristics" to mention without running on about different occupations and the riders and basic policy benefits available. The most important issues when deciding which policy to select is the veracity and strength of the company, the definition of total and partial disability, and if there are any conditions placed on how benefits are paid.

    As I have said numerous times today, an experienced and expert disability insurance agent is your best source of information. Make certain that whomever you select to help you is a broker and can handle not only their primary company (be it Mass Mutual, Guardian, etc.) but many of the other carriers such as Assurity, Illinois Mutual, Mutual of Omaha, Standard, Principal and the like.
    David M. Block, CLTC
    Insurance Specialties, Inc.
    PO Box 1809
    Candler, NC 28715-1809
    800.358.8844 toll free
    828-667-1119 local
    828-667-2229 local fax

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