Disability Insurance Agent

A disability insurance agent can be found by going online, looking in the yellow pages of your phone book, and reading advertisements in your local newspaper. If you already have auto insurance, health insurance, or home insurance with an agent you like and trust, so much the better. Just be sure the agent has a good knowledge of the specialized field of income protection insurance.

When it comes to replacing a percentage of your income in case you are disabled, expertise is required to get you the best coverage for the lowest cost. What you don't want is any old policy that requires you to be hospitalized before any benefits are paid out! You want the most favorable, generous benefits paid out under the most favorable definition of "disability."

How Much Disability Is Enough?

Unless you do your own research online by going into the Web site of each major disability insurance carrier, you'll need the expert guidance of a knowledgeable disability insurance agent. Policies must be read and re-read carefully if you are a lay person. Some policies, for instance, only pay benefits if you cannot work at all, which is total disability.

The best definition of disability for you, the worker, is one that pays if you can't work at your "own occupation." This means you can work at something else and still receive payments. There is total and permanent disability; total disability that is not permanent but prevents you from working at any job; total disability, not permanent, that could force you out of your occupation and into another line of work.