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Throughout your working lifetime, you are three times more likely to become disabled than you are to die before age 65.

Why then is it that people have historically been more likely to buy life insurance, not disability insurance?

The answer is simple: insurance consumers are confused by disability insurance. There are so many terms to understand that people typically give up, and end up not purchasing coverage at all.

The team at Billy Davis Insurance Group is here to help.

The Two Different Types of Disability Insurance

Long Term Disability

Long Term Disability (LTD policies have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life

Short Term Disability

Short Term Disability (STD) policies have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.

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Important Disability Insurance Conditions

Non-cancelable

This means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.

Guaranteed renewable

This gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

More Things To Consider

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

If this sounds confusing, don’t worry. The team at Billy Davis Insurance Group is here to walk you through your options and make sure you get the best possible coverage for your needs and budget.

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As your agent, you can text, call or email us with questions on billing, policy changes or filing claims because we are set up to communicate with today’s current times. (Oh yea, you can also still come in.) Whatever you need, we are here for you.

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