Disability Insurance

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Short Term Disability Insurance
Long Term Disability Insurance

Disability Insurance

Disability Insurance pays an insured person an income when he or she is unable to work because of an accident or illness. Here are some typical questions and answers about this type of insurance.

If you were disabled and unable to work as a result of an accident or illness, what would you and your family do for income?

Disability Income Insurance, which complements health insurance, can replace lost income. Forty-three percent of all people age 40 will have a long-term (lasting 90 days or more) disability event by age 65.

What are the types of disability insurance?

There are two types of disability policies: Short Term Disability and Long Term Disability Insurance:-

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

Long-Term Disability 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. Disability policies have two different protection features that are important to understand.

Non-cancelable 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 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.

UKinsuranceNET are specialist insurance brokers in this type of disability insurance cover and we deal with all of the major UK insurance companies and underwriters. We are not tied to any one insurer and so we are able to arrange cost effective protection for you without compromising quality. Speak to one of our highly experienced consultants today on 0844 875 55 33 or fill out our online quote request form and one of our advisors will contact you.