Preparing for risk always begins with recognizing that there is one, and then calculating the chances that it will actually happen. But, as an article that I read recently pointed out, “the odds of a disability are themselves odd.”
Some sources will tell you that you have an 80% chance of suffering a disabling illness or [...]
I want to share with you these eye popping disability trends. The Council for Disability Awareness (CDA) conducts an annual review of long-term disability claims among the U.S. working population to determine continuing or emerging trends. The 2007 CDA Long-Term Disability Claims Review includes long-term disability insurance claims data from member companies and Social Security [...]
If you become disabled and your life insurance policy contains a waiver-of-premium benefit, you will not have to pay the life insurance premiums as long as you are disabled. However, the disability must be total and must last for at least six months. Certain exclusions also apply.
Some life insurance contracts automatically provide the waiver-of-premium benefit. [...]
Yes. If you have long-term disability coverage through a group plan offered by your employer, your premium will be the same as the premium of everyone else who participates in that plan. But, the premiums for everyone will depend on the general risks of the industry in which the employees work. If you’re buying an [...]
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