About Disability Insurance

"This site is designed to be educational in nature, if there is a question you came here to get answered, and you did not get it, please contact me."

Disability Insurance Articles

Disability Insurance

Policy Provisions
Definition of Total Disability
Residual Disability Insurance
Elimination Period
Benefit Period
Optional Riders
Policy Exclusions


Personal Disability Insurance

Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Your most important asset is your ability to bring home a paycheck, DI makes sure that regardless of any adverse changes to your health, you are able to provide for yourself and your family. Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract. The goal of this site is to provide you with a resource to make an educated decision on your own. My company does sell DI through our website Disability Insurance Quotes, but this website is strictly for informational purposes only.

I will provide you with information regarding the major features of a disability insurance policy so that you may better understand how to read a disability insurance policy. I will also provide you with links to some articles, and links to the best disability insurance websites I have found on the internet to obtain quotes.

All of the information on this web site is truly geared towards white collar occupations. Individual disability insurance for blue collar occupations is attainable through some carriers, however most of the carriers and contracts discussed on this web site do not specialize in providing coverage to blue collar occupations. If you have a blue // gray collar occupation I would recommend trying here instead.

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