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1) Who are the most popular disability insurance carriers on the market today?
- Guardian Disability Insurance, Unum, Principal, Mass Mutual, Standard, Illinois Mutual, Met Life
2.) What is the general purpose of disability insurance?
- To protect your most important asset, your continued ability to bring home a paycheck should a sickness or injury prevent you from performing your regular occupation. Typically a DI policy will pay between 45-60% of your income should you become disabled. Although the higher your income is, the lower the percentage replacement will be. Insurance companies want you to maintain a lifestyle, not become able to retire early.
3.) What are the major types of disability insurance?
- The best coverage is an "own-occupation" policy.
- Second tier coverage is "income replacement".
- Third tier is "gainful occupation".
4.) If I am already ill, can I get disability insurance?
- You may not be able to obtain top level coverage if you are already ill, but there are companies out there that will offer a lesser version of disability insurance if you are still at work. Try looking for Fidelity Security, or Assurity.
5.) Who owns and operates Disability Insurance Forums?
- The forums are operated by the people who participate in them. As you can see, there are moderators for each category who volunteer their time and energy to make the forums what they are. Steven Crawford is the owner of the forums.
6.) How do I post a message in the forums?
- First you need to Join The Forums, which is free to do. Once you have joined, you will be logged in, and can post freely.
7.) Is my privacy guaranteed?
- Your privacy is as guaranteed as you would like it to be. Only the administrator has full access to the information you provide in the sign up form, we don't use the information for anything. You have the power during your registration to make items visible or not to the public.
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