Additional Coverage Now Available

Several disability insurance providers recently upgraded the occupational class for a number of occupations. What this means is that many of these occupations can now receive the own-occupation definition to age 65. Additionally, there were many occupations that moved up an occupational class and we can now actually offer those occupations lower rates on their coverage. To learn more about how these changes could affect your rates and coverage contact us today!

One of our main disability insurance providers has recently upgraded their individual disability income policy that provides pure own occupation protection. The results of this upgrade include a more competitive premium for young professionals (including female’s rates) along with an enhanced residual disability definition.

Catastrophic disability benefit rider offers extra protection from the financial impact of an injury or sickness that causes cognitive impairment, the inability to perform two or more Activities of Daily Living, or an irrecoverable disability as specified in the rider.

Increased Issue and Participation Limits for Medical Personnel

Several insurance companies that offer the best disability insurance coverage available to medical professionals have increased their Maximum Issue & Participation Limits for certain occupational classes. If you thought that you were not eligible for additional individual disability income protection based on your current personal or group coverage, you need to contact our office to discuss the various opportunities available.

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