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Disability Insurance

 According to the American Council of Life Insurers, about one third of the citizens on that country suffer from a disability after the age of 35. The disability insurance works to meet these people’s needs for insurance. Many people forget that all insurance payment is based on people’s employment income. This is why a disability insurance is so important, because if you become disabled you will not be able to maintain your income.

 There are two basic types of disability insurance plans, the long term and the short term. 
 The short term disability insurance provides coverage for two or three months in case you suffer any unexpected accident or become sick and unable to work. The disability insurance usually pays part of your salary (usually about 60%) until you recover.
 The kick in time for coverage payment will depend on the seriousness of your injury or illness. Depending on the situation, also a retroactive payment can be done.
If you do not have any savings yet possible help from parents to pay for a non-working period in case of disability stricken, disability insurance may be a good option.
 On the other hand, a long time disability insurance plan pays you a monthly sum if you become disabled and unable to work on your previous occupation anymore.
 Either a short term or a long term disability insurance policy can be purchased by the employer or individually.

Disability Insurance Resources

Disability Insurance
Provides own occupation disability insurance quotes for physicians and dentists.

About Disability Insurance
Informative website about disability insurance, covering topics such as the defition of total disability, elimination period and renewability.

Social Security Online - Benefits For People With Disabilities
Information on what benefits are offered by social security for people with disabilites and general information on disability insurance.

Protect Your Income - Online Source For Disability Insurance
Information and guidance on disability insurance for professionals including physicians, resident physicians, dentists, attorneys and individuals.

III - Insurance Information Institute
Information and answers about all the details referring to disability insurance.

Disability Secrets
Health claims consulting and Social Security disability secrets. US based.

Disability Insurance Blog
An excellent resource for medical residents and other medical professionals while considering the purchase of disability insurance.

News about Disability Insurance:

Keeping Out of the Premium Paying Poor House
On 08-07-2007.
ONTARIO, Calif., Aug. 7 /PRNewswire/ -- All types of insurance policies promise to pay the bills, should the unthinkable happen. They also can put you in the premium paying poor house, says Frank N. Darras, the nation's leading disability and Long-Term Care insurance lawyer.
Folks making decisions that can affect the rest of their lives either sign up and hope for the best, or the entire process gets pushed ...
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Get Older, Get Happier -- It Happens
On 08-05-2007.
Some people think those who are decades older have less reason to be joyful.
But more people in their 60s and 70s report being happy than do those in their 40s, according to one recent survey conducted for bank HSBC of 21,000 people in 21 countries, spanning four age groups from 40 to 80.
Among U.S. respondents, 89% of those in their 70s and 87% of those in their 60s said they were happy most of the time in ...
Read more

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