Filed In: Disability Insurance Claims FAQs
California SSI Lawyers • SSD Attorneys • Beverly Hills • Claremont • Los Angeles & Southern California Disability Insurance Experts
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How much disability insurance do I need to buy?Always buy as much individual disability insurance as your income will support. If your employer offers group disability insurance, apply for the individual coverage before you put the group coverage in place as this will allow you to maximize your non-taxable benefits and preserve all of your state’s consumer remedies. If you already have employer sponsored group coverage, apply for as much individual coverage as possible and be sure to include a future increase option to protect you in the event you leave your employer and the group coverage terminates. |
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Make sure you read the policy's language and buy an "own occupation" policy that protects you until age 65. The limitation clauses can be tricky, especially those for mental-health claims or self-reported claims such as headaches, chronic-fatigue syndrome or fibromyalgia. More Insurance and Legal FAQs: |
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