1. Money

Disability Insurance: Policy Information, Choices, Savings, and More

Disability insurance can replace a portion or all of your income if you become disabled and cannot perform your job. Find out all about private and government disability insurance here.
  1. Disability Insurance FAQ's (4)

About Worker's Compensation Insurance
If you have ever had a job, you have probably heard of worker's compensation insurance. Maybe you have even received worker's compensation benefits from your employer. Most employees don't even think much about the worker's compensation insurance that their employer provides but that can be a big mistake for employees.

How Much Disability Insurance do You Need?
Now that you realize social security may not be enough to take care of you through a disability, it is time to determine how much of a disability benefit you would like to receive from your disability insurance. Your estimated spending, income, investments, social security disability benefits and your partner's income are all things that you need to factor in when determining what disability benefit you want from your disability insurance. Included is a sample disability benefit worksheet.

Choosing Disability Insurance
Disability insurance can play a crucial role in keeping you financially afloat if a disabling illness or injury strikes. But a survey by The Consumer Federation of America and The American Council of Life Insurers found that 82% of people do not have long-term disability insurance or believe their coverage to be inadequate.

Considering Disability Income Insurance
Can you believe that according to some estimates one out of every ten persons will become permanently disabled before age 65? If you became that “one” and you could not perform your current job, what options would you have? You may want to consider disability income insurance.

Should You Purchase Credit Card Insurance?
If you own a credit card you have probably been asked by the company if you would like to add credit insurance. Most are unfamiliar with this type of insurance and either decline it or accept it automatically without knowing if it is the right type of insurance for their needs. Credit insurance may be beneficial to some but just an unneeded cost for others depending on one's situation.

Understanding Medicaid and Medicare
These government and state funded insurance programs benefit low-income and the elderly. Find out differences, coverages, and eligibility information.

The Top Ten Insurance Myths You Need to Know
Umbrella Insurance is for only for the rich. I am alive so I need Life Insurance, right? My co-worker is uninsured and that doesn't effect my insurance. Learn why these insurance myths are inaccurate and find out answers to the top 10 insurance myths everyone should know.

State Specifics
All states have varying insurance laws. Want to know more about insurance laws specific to your state? Find your state commissioners website and phone number here.

Social Security Disability Programs
Here is the Social Security Online Disability Programs website. Find out how to apply, and get forms and publications.

35 Page Sample Disability Income Policy
View here a 35 page pdf sample disability income insurance policy. This is helpful if you are considering purchasing disability income insurance and want to know what to expect when reviewing the policy with your agent.

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