When considering your insurance options, you may have come across the Mental Nervous benefit.
This confusing benefit has a very specific purpose: to cover your psychiatric care.
But what is psychiatric care, exactly?… READ MORE
Your disability insurance policy may include a Future Insurability Option. With an FIO, you can increase your coverage without an updated medical review.
This allows you to increase coverage throughout your career.… READ MORE
To get disability insurance, your provider needs to review your medical history. That history is your medical underwriting. It determines your insurance rates. And once that insurance cost is set, it only covers your income at the time of that review.… READ MORE
Combining your disability coverage with life insurance sounds like a smart financial move. You want to cover career gaps after an injury and get the coverage that always protects your loved ones.
But having a sustainable financial future starts with knowing what discounts work for you.… READ MORE
When it comes to policy shopping, you might combine disability coverage with life insurance. But you want to make sure you get the most protection (without paying the most in fees).
There are a few things to consider in the underwriting process of combining plans.… READ MORE
It might feel like a waste of money getting coverage if you don’t perform extensive surgeries or exhaust your body every day. But a policy is about much more than preventing injuries….
The perfect policy will take care of your income when you’re sick or injured.… READ MORE
You might think you’re medically ‘uninsurable’ based on something that’s happened in the past…but conversations about coverage don’t end with a ‘yes’ or ‘no’ answer.
And by asking the right questions and knowing what options are available, you can explore the alternatives and find a powerful plan that protects your career (even if it’s not the one you wanted). … READ MORE
If you can’t land the best contract available or get the disability benefits you want, it might feel like it’s not worth paying for. But as strange as it may seem, policies with exclusions are better than no policy at all. … READ MORE
When looking into insurance rates, you might notice that the cost of a disability plan for females is significantly higher. But you don’t want to settle on a plan that doesn’t protect and preserve your career (just to save yourself from paying premium rates). … READ MORE
Nobody wants to plan for the worst, but when it comes to an unexpected disability on the job, you don’t want to be digging in your savings account just to cover the rent. With the right coverage, finances are immune to expenses and you can focus on your recovery (without worrying about missing work). … READ MORE
