Disability Insurance Forum

How can I find out how good is a company in a claim situation?
I would rather pay a higher premium if it means getting an insurance company that is more likely to pay if I'm unfortunate to become disabled.
I don't want to pay for an expensive policy and then have to fight with the insurance company to get the benefits if I really need it.

Can any expert please let me know about how to find out about the sincerity and credibility of an insurance company. I am considering own occupation disability insurance. Please advice. Thanks

I have a DI policy that I purchased as a resident. I currently have 5K worth of monthly benefits. I now have the ability to exercise future increase options up to about 15k per month. I don't think I need the maximum coverage, since I have some savings, few financial obligations at this point, like kids or house.
But in the future, I do expect to have kids and a house. Do you think it is prudent to exercise an increase now and look in rates for my age? or should I wait until a later point and thus pay the higher premiums later? Please share your expert opinion.

Hi,

Hope an insurance expert would throw some light on what exactly does Occupation Class mean?
Are there any resource where I can consult what occupation fall under which class? I would just like to make sure that my agent has me on the right class. Thanks in advance!

If a person is determined to be uninsurable for DI, how difficult is it to get them insured through a "risk" pool or high risk company and does this uninsurable status through the main stream companies in any way restrict the benefits they can receive with a high risk/uninsurable status with a company that do insure high risk pools? Please advice.

I'm an orthopedic surgeon and purchased an "own occupation" policy. I recently became employed by the hospital I work at and they will supply me with a long term policy as well.
My question is, can I keep both the policies? I was wondering if I could accept the free policy my employer is giving me and at least a portion of my current one, thus lowering my premium but keeping my benefit.

I am looking for short-term disability insurance (24 weeks) to supplement my employer's long term benefit. Will any company sell this insurance to someone with type II diabetes? Please help

I am currently working but my health is not keeping up with it currently. It is becoming very difficult for me to continue work and I think I am becoming more disabled every passing day. I need to know that do I have to quit my job to get the disability income benefit start? I'm almost 53 and have been working all my life. Will my disability get approved because I just can't go on working? If I quit can I collect unemployment until I get disability, if it is approved? Please help as I am not sure much longer I can work.

Hi friends, can you tell me something about my advantages of a qualified ling term care insurance? Do I receive any income tax benefits? NAIC approval? Or do I satisfy the look-back period under Medicaid?

Hi friends, I heard something shocking today! Is it true that one can lose his group coverage at work due to a merger or acquisition?

Thanks for answers
:)

I’m going to get a disability insurance for myself as I’m hearing it’s very important. I would like to know the types of disability insurances. Thanks in advance for any comments.