Elimination/Waiting Period:
Length of time you must be disabled before benefits start – typically 90 days
Benefit Period:
Length of time your policy pays benefits while you are disabled, usually to age 65 or 67.
Exclusions/Limitations:
Situations in which your policy will not pay benefits.
Riders:
Add extra features to your policy.
Residual or Partial Disability Riders:
Help you weather any storm by paying benefits even when you’re not totally disabled, if you have a partial loss of income.
Portability:
When you walk away from your job, you take your coverage with you.
Increase Options:
Allow you to increase coverage in the future without medical underwriting.
Benefit Amount:
How much will you receive per month in the event of a disability.
COLA Riders
Provides Cost of Living Adjustments.
As a Resident/Fellow, you have a limited opportunity to secure affordable disability insurance with robust features and no medical underwriting. Ask us how!
Elimination/Waiting Period:
Length of time you must be disabled before benefits start – typically 90 days
Benefit Period:
Length of time your policy pays benefits while you are disabled, usually to age 65 or 67.
Exclusions/Limitations:
Situations in which your policy will not pay benefits.
Portability:
When you walk away from your job, you take your coverage with you.
Riders:
Add extra features to your policy. Residual or Partial Disability Riders: Help you weather any storm by paying benefits even when you’re not totally disabled, if you have a partial loss of income.
Benefit Amount:
How much you will receive per month in the event of disability.
COLA Rider:
Provides Cost of Living Adjustments.
Increase Options:
Allow you to increase coverage in the future without medical underwriting.
As a Resident/Fellow, you have a limited opportunity to secure affordable disability insurance with robust features and no medical underwriting. Ask us how!
