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Buying the right policy for you can be a trying and difficult task. There are many different factors in policies to consider and you can make the wrong choice because you don’t understand the correct variables or contractional language.
The variables include:
1.) Whether or not your disability is predictable and resulting from a previously known chronic illness.
2.) Is the disability work related?
3.)Are you partial or fully disabled? Can you perform any job? What is the payout amount? What is the frequency? What is the duration?
4.) Are there any offset provisions?
You should review a copy of each of the proposed contracts because there is a lot riding on you finding the right policy for you. Picking a Long Term Disability policy simply shouldn’t be based on getting quotes. You have to be patient and diligent to make sure that you get the right policy that meets your needs.
Pay particular attention to discretionary clauses, exclusions, and limitations. The process of selecting the appropriate insurance policy can be complicated and you should exercise patience and care in finding the disability policy that fits your needs.
Picking a Disability Insurance Company.
Answering these broad-based questions isn’t easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney at 727-477-3263.