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25 results for"Disability Insurance"
Disability insurance denied claim - hired private investigator to follow me
Filed disability claim for chronic fatigue. They hired investigator who filmed me grocery shopping and walking dog. Denied claim saying I can work. Can they rea…
Mental health disability - will my policy pay for depression/anxiety?
Have long-term disability through work. Dealing with severe depression, can't focus or work. Will disability insurance actually pay for mental health conditions…
How long does disability insurance pay - until 65 or for life?
My LTD policy says benefits to age 65. What happens after that? Do I just lose income? Is there disability coverage that pays for life if I'm permanently disabl…
Short-term vs long-term disability insurance - elimination period confusion
Getting my own disability policy as a dentist. Agent saying 60-day elimination period vs 90-day makes big premium difference. Also confused: 'own-occupation' de…
Disability insurance own occupation definition - why does my specialty matter?
I'm a surgeon and getting disability insurance quotes. Agent emphasizing 'true own-occupation' vs 'modified own-occ' vs 'any occupation.' The difference in prem…
Can I get individual disability insurance if I have group coverage at work?
Work provides 60% income replacement but taxed since employer pays premium. Want to buy private policy for extra 20% coverage tax-free. Can I have both? Do they…
Business owner disability insurance - how does it work for self-employed people?
I'm a sole proprietor architect. My income varies from $120k-$200k per year. How does disability insurance work when I don't have a fixed salary? What income do…
Disability insurance benefit period - 2 years vs 5 years vs to age 65
Getting disability insurance quotes and the benefit period choice dramatically affects premiums. 2-year benefit: $120/mo. 5-year benefit: $210/mo. To age 65: $3…
Pre-existing condition in disability insurance - will they deny my claim?
Got disability insurance 6 months ago. Now need to file claim for condition I had before getting coverage. Policy says pre-existing conditions not covered for 1…
Disability insurance at 55 - too late or still worthwhile?
I'm 55, planning to work until 67. Should I buy disability insurance now? Only need 12 years of coverage. Premiums seem high for short coverage period. Worth it…
Long-term disability insurance definition of disability - what's the difference between occupation classes?
I'm an attorney and getting LDI quotes. The agent is explaining 4A, 3A, 2A occupation class ratings and 'own-occupation' definitions. The higher classification …
Disability insurance definition of disability - totally vs partially disabled?
My policy says benefits pay if 'totally disabled and unable to work'. Does this mean bedridden? Or if I can work part-time, am I not disabled? Definition seems …
Life insurance waiver of premium - pays premiums if I'm disabled?
Considering waiver of premium rider that continues my policy if I become disabled. Costs extra $25/month. Is this worth it or should I just get disability insur…
Own occupation vs any occupation disability - worth the extra cost?
I'm a dentist and getting private disability insurance. Own occupation costs $350/month vs $220 for any occupation. Big difference but worried about not being a…
Presumptive disability clause - pays even if you could work?
Disability insurance has something called 'presumptive disability' that pays full benefits for loss of sight, speech, hearing, or limbs. Even if I could still w…
Long-term disability insurance — how does 'own occupation' vs 'any occupation' definition matter?
I'm a surgeon considering long-term disability insurance. I've heard 'own occupation' coverage is essential for medical professionals. What exactly does this me…
Do I really need disability insurance if my employer provides it?
My employer offers short-term and long-term disability insurance. But I keep getting mail from independent agents saying employer coverage "isn't enough." My e…
Disability insurance and mental health claims — what's actually covered?
I'm considering LTD insurance but I've heard that mental health claims (depression, anxiety, burnout) are often limited to 2 years of benefits while physical di…
Can I get disability insurance if I have a pre-existing back condition?
I had a herniated disc 3 years ago that resolved with physical therapy. I have no ongoing pain or limitations. Now I'm applying for individual disability insura…
Short-term disability insurance — is it worth buying if I have a solid emergency fund?
My employer offers short-term disability insurance for $38/month. It covers 60% of my salary for up to 6 months if I'm unable to work. I have a 6-month emergenc…
How does Social Security Disability Insurance (SSDI) differ from private disability insurance?
I have private long-term disability coverage through work, but I know Social Security also has disability benefits. How do they interact? If I become disabled, …
Individual disability insurance exclusions — what do they typically not cover?
I'm reviewing an individual LTD policy and the exclusions section is concerning. It excludes: self-inflicted injuries, war/acts of war, commission of a felony, …
Disability insurance elimination period — 90 days vs 180 days, how to choose
I'm buying individual long-term disability insurance. I can choose a 90-day elimination period ($285/month) or 180-day ($215/month). It's a $70/month difference…
Disability insurance for self-employed freelancers — what are my options?
I'm a self-employed graphic designer (sole proprietor) with no employees. I don't have access to group disability insurance. Where can I buy individual disabili…
Long-term disability insurance - employer vs private policy?
My company offers LTD that covers 60% of salary. Should I also get a private policy? I'm a software engineer making $120k and worried that 60% wouldn't be enoug…