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When to Purchase Disability Insurance
You’ve studied up on disability insurance and have decided it would be a great idea to have this coverage. You have made a great decision, but I must warn you not to stop there. Now, it’s time to pull the … Continue reading
How to get Free Disability Insurance for your Employees
I just read a marketing piece from a disability insurance company that offers a terrific idea – how to get “free” disability insurance for your employees (and overhead expense insurance for the practice). It makes so much sense, I wonder … Continue reading
Top Ten Ways to Avoid Disabling Accidents and Illnesses During the Holiday Season
As as public service to visitors of our Disability Insurance Blog, we are offering these top ten ways to avoid disabling accidents and illnesses during the holiday season: 1. Don’t drink and assemble toys, especially those you need to plug … Continue reading
Disability Insurance and Pregnancy
We get quite a few calls in our office from pregnant women looking to purchase disability insurance. Unfortunately, many insurance companies will not write a new policy for a pregnant woman. If they do offer coverage, they will exclude the … Continue reading
Disability Insurance for Business
Personal disability insurance is designed to replace a portion of your income in the event of an injury or illness. If you are a business owner (including professional practice owners), there are several disability insurance policies designed to protect your … Continue reading
Financial Tips for Couples
I came across this article at CNNMoney.com last week. Published on Valentine’s Day, writer Gerri Willis offered some very good financial tips for couples. As #2 is most relevant to this blog, it will be the only bullet point I … Continue reading
Which Job would you choose?
You have to make a choice between two jobs. They are both attractive in many ways – work you like to do, short commute, great people to work with, Starbucks right next door (that’s high on my list). The only … Continue reading
To work or not to work – that is the question
If, due to accident or illness, you were not able to work in your occupation, but could potentially work in another, would you work at the other? If you are like most productive people, the thought of not being able … Continue reading
The Perfect Disability Insurance Policy
The best disability insurance policy is the one that will pay you the most benefits under the most amount of circumstance. These are some of the factors that would make this policy “perfect.” It should have an Own-Occupation definition of … Continue reading
Occupational Underwriting
Your occupation is one of the risk factors an insurance company looks at when underwriting your disability policy. It is one of the major elements, along with age, sex and health an insurance company uses to determine the premiums you … Continue reading