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Disability Insurance Terms to Consider
Posted in: Social Security Disability on May 19th, 2013

With the Social Security Administration revealing that up to 30 percent of Americans could become disabled throughout their working lives, no wonder more and more people are considering disability insurance! However, to get the best disability benefits possible if something should happen, it’s important to consider all the terms in your disability insurance policy. Unlike insurance for life or material belongings, disability insurance provides recurring benefits, which impacts the way you should consider a policy’s terms.

How Disability Insurance Policy Terms Affect Benefits

Since nothing can impact your life more than losing the ability to earn a living, it’s important to know the exact disability benefits that come from the policies of your disability insurance. Whether you already have a policy or are shopping for coverage for the first time, it’s crucial to fully examine the specific terms. These include:

· Duration. When it comes to disability insurance coverage, there are both short-term and long-term considerations. Short-term coverage will cover your income if you can’t work for a relatively short period of time where as long-term coverage is for more serious disabilities that impact your ability to work throughout your life.
· Types. Disability insurance is available in both group and individual plans. Typically, group plans are reserved for the workplace and are only good as long as you stay with that particular employer. If financial matters are making it difficult for you to afford both disability and life insurance, then a group plan might be a good option for you to save money.
· Limits. Remember, disability benefits are almost never going to compensate you as well as your job will. With that being said, the danger comes when you pay high premiums for disability insurance that you are never going to use. Thus, it’s important that you weigh the dangers of your job (is it physical, labor-based work?) and use those parameters to determine the risk of injury and potentially needing disability benefits in the future.
· Social security. If you’re receiving social security disability benefits, then group insurance policy payments will likely be reduced.

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