Frequently Asked Questions

Frequently Asked Questions

WHAT IS DISABILITY INSURANCE?
WHEN DO SOCIAL SECURITY BENEFITS PROVIDE COVERAGE AGAINST A DISABILITY?
WHAT PROTECTION DOES SOCIAL SECURITY DISABILITY ACTUALLY PROVIDE?
HOW LONG DOES AN INSURED HAVE TO WAIT TO BEGIN COLLECTING BENEFITS UNDER A DISABILITY POLICY?
WHAT ARE THE DIFFERENCES BETWEEN THE COVERAGE PROVIDED BY A PERSONAL DI POLICY AND THAT OF WORKER’S COMPENSATION AND STATE DISABILITY?
DOES MY OCCUPATION OR PROFESSION AFFECT MY ELIGIBILITY FOR A DISABILITY INCOME POLICY?
IF I PAY THE PREMIUMS FOR A POLICY MYSELF, WILL MY DISABILITY BENEFITS BE TAXED?
IS A MEDICAL EXAMINATION REQUIRED TO PURCHASE A DISABILITY INCOME POLICY?
DO PRE-EXISTING MEDICAL CONDITIONS AFFECT MY ELIGIBILITY FOR DISABILITY INCOME INSURANCE COVERAGE?
WHAT ARE THE DIFFERENCES BETWEEN SHORT TERM DISABILITY AND LONG TERM DISABILITY?
IS A DISABILITY INSURANCE POLICY A NECESSITY?