About Disability Insurance Quotes

You Need Disability Insurance

In America, a disabling accident is so common it happens every second. The only way you can protect yourself against life’s unexpected surprises is to ensure you have cover against them. Taking disability insurance out gives you income protection in the event that a disabling accident prevents you from performing your primary work and earning your income.

 

Why Use Our Site?

Because there is such a wide range of factors that influence your premium, and so many insurance companies out there vying for your attention you need a platform that can compare benefits and premiums to ensure you get the most mileage from your money. Policies differ in terms of cover and benefits and making the comparisons can be mind-boggling so it helps to know that you can find them all here in one convenient place. We only compile quotes from the most trustworthy sources so you are always assured of the highest quality service from the providers we use.

 

Some employers are gracious enough to include disability cover in their employment contracts but for many workers, and those who are self-employed, it may be necessary to take out a policy that covers your needs.

 

How Much Can You Expect To Pay?

Your premiums are calculated based on a number of factors that include the nature of the work you do, the company you work for and the area you reside in. for a comprehensive plan that offers more benefits you can expect to pay a higher premium. Policies that offer extended or long term coverage and those that do not implement a waiting period also charge higher premiums. Some policies only offer a benefit for a fixed period of time so make sure you read all the fine print.

 

Our comparison tool will give you examples of the kind of premiums you can expect for the benefits you need.

 

What Factors Influence Your Disability Payout?

Your insurer will want to know certain facts after your accident, so it is important to report it as soon as possible, when you and other witnesses can still recollect the events. One of the qualifying criteria for disability insurance payouts is that the disability should not have arisen from something preventable. Your insurer may also want medical assurance that it was not caused by a pre-existing condition or illness. It is also important that the disabling activity took place at your place of work, or somewhere specified and covered by your policy in order to qualify for your benefit. Your cover is likely to depend on whether your disability is total or partial so make sure you weigh up the pros and cons of both.

 

If you have chosen a provider that does not impose a waiting period you should be able to get your pay-out straight away, others have certain restriction that you need to compare when looking at different policies. Your insurer will also want to know whether you have any other policies that will pay out in light of the accident.

 

Processing your claim depends on the company and is something you should look into when doing your research. Consider also whether you need daily, weekly or monthly payouts when making your choice and ensure that the benefits will be available for as long as you need them. Get your disability insurance quote by using our helpful insurance form, and start saving money today.