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20 votes.
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Two
consumer groups discovered that more than 40% of Americans do not have
disability coverage. Of the group that has the coverage, 40% are grossly
under-insured. We have a three-times greater chance of becoming disabled
than of dying during our working life. It's a serious issue when and if we
become disabled and cannot provide for our families. MATATAN suggests these tips when shopping for disability insurance coverage: - Consider coverage with companies rated A+ or A++ from http://www.AMBest.com. - Consider quotes from disability brokers. Get referrals from your auto or homeowners insurance company. - Consider only renewable policies and ones with benefits that adjust with inflation. - Be certain that the policy will continue to pay benefits in the event that you can no longer perform the duties of your profession. Ask for same occupation benefits rule. |