Don’t Trust Your Employers, Buy An Individual Disability Insurance Policy!

Those insurers, who specialize in disability insurance, often have to say to their new clients, and also to those people, who ask them for advice– don’t be so trusting! Many people are careless of their health and safety in the future, trusting disability insurance of their employers and hoping that they won’t have any problems […]

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Those insurers, who specialize in disability insurance, often have to say to their new clients, and also to those people, who ask them for advice– don’t be so trusting! Many people are careless of their health and safety in the future, trusting disability insurance of their employers and hoping that they won’t have any problems when they lose the ability to work. Especially this concerns those people, whose job is connected with risk. Despite boldness and ability to be reckless of danger performing chief’s tasks, they are trusting, as children. We want this article to become an eye-opener for you, because you should know differences between group and individual disability insurance policy, and also between such types of it as Any-Occupation and Own-Occupation.

Read this article to the end, because your boss will never tell you that just after 5, or even 2 years, you will not get money, which you expected to obtain from insurance company till your 65, if you become a disabled person. If you didn’t execute an individual disability insurance contract, and trust group disability insurance policy, which is offered to you by your chief, thinking that this is a policy of Own-Occupation type, which gives you enduring right to receive money in case of disability, if you don’t work anywhere else. But usually there is a clause in such policies, in which it is said that after 2 or 5 years of disability, the contract should be reviewed and Own-Occupation type can be changed on Any-Occupation type.

What does this mean to you? It means that now you will get money only if you can’t do any job, even the easiest, to say nothing of those types of work which are presupposed by your qualification. Fortunately, very few disabled people became a cripple and can do anything because of state of their health, but, unfortunately for them, this becomes a reason to deny them to get insurance payments.

Nevertheless, we know an exit, and we will show it for you. This is an individual disability insurance policy, which costs more, of course, but will give you confidence in the future. It will work regardless of a type of your job. If you have an individual disability insurance policy, you can be sure that Any-Occupation type of this policy will really provide you insurance payments till you are 65, without forcing you to work, if you are not confined to life in bed, or to starve, if you don’t want to work anymore.

As you can see, we are absolutely honest with you, and if you have any questions or difficult situations connected with disability insurance you can always address one of agents of our site, who will help you to get the necessary information.

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