Here are some questions to consider when evaluating coverage:

• What is the definition of a disability?
• Does the policy cover accidents and sicknesses?
• Are benefits available to total disability only or total and partial disability?
• Are return to work benefits available even if you are not disabled?
• What percentage of your income will the policy replace in the event of disability?
• Can your premiums be increased in future years?
• How long must you be disabled before premiums are waived?
• Is there an option to buy additional coverage at a later date, without the need to prove your insurability?
• Does the policy offer inflation protection?
• Will the policy pay full benefits even if you are able to work after a catastrophic disability such as losing your hearing, eyesight, or the loss of a limb?

As with any insurance, it's best to know how your policy works before you need to file a claim. Give us a call today and we will be glad to review your current coverage or advise on a new policy.

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