Disability Insurance Frequently Asked Questions
Why do I Need Disability Insurance When There is Social Security?
No one should count on Social Security benefits to protect them if they acquire a disability. Social security is tough to get, the benefits are low, and you have to be so disabled that you can't work any job, not just your current job.
Can People With Health Problems Still Get Disability Insurance?
Just because you have current health problems or a history of health problems, does not mean you will be denied disability insurance coverage but you may be able to only obtain a policy with exclusions.
How do I know When My Disability Insurance Started?
Knowing when your disability insurance policy started and knowing whether or not you have conditional coverage is important. Every policy is different and your start date will depend on your policy.
When Will I Get My First Disability Check?
Disability income insurance is designed to replace one’s income when they are no longer able to work due to a disability. If a disability should happen, knowing when you will get your first check is a must, but all policies are not equal and how long you will wait for your money is specific to your policy.