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Places to Learn More About Disability Insurance

NAHU Disability Insurance Article
This is a recent article Bill Olmsted and I wrote in April, 2005 for the National Association of Health Underwriters. The article is truly written for insurance agents to read, it is not really a consumer focused article. It discusses the need for agents to believe in the need for personal long term disability insurance before they get lost in the comparisons of contracts and the statistics. It also discusses some markets that disability insurance agents can work in to be successful in this business.
Application & Paramed Instructions
Article discusses how to successfully complete a disability insurance application as a client, and offers some tips on how to avoid some common mistakes people make when scheduling a paramedical examination. This is an excellent read for anybody about to apply for individual disability insurance.
CNN Money Magazine Logo CNN-Money Magazine - Disability Insurance
Ouch!...Don't forget disability insurance. Did you know that about 30% of Americans will suffer a long term disability of 90 days or more before they reach the age of 65? A well written article by Money Magazine detailing what to look for in a DI plan. This was one of the first major magazines to include me as a source for a personal disability insurance article.
Disability Insurance Statistics
What are the odds of having to use a disability insurance policy before the age of 65? What are some of the most common causes of claims paid by the insurance companies? This is an article that really spells out why people should purchase a personal disability insurance plan.
Guardian Disability Insurance Logo Small Business Disability Insurance
Article discusses the rules and regulations of a business owning a disability insurance policy on the owner. If you think that as a business owner you can simply have the business own your disability insurance policy, and you can deduct the premiums, this article is a must read! Learn all about Qualified Sick Pay Plans, and how to make them work for your business.
Group LTD vs. Individual Disability Insurance
A well written article discussing the material differences between a group long term disability insurance plan and a personally owned policy. A chart illustrates some major feature comparisons in a side-by-side format for the average buyer to review.
Pittsburgh Post Gazette Logo Pittsburgh Post Gazette - Disability Insurance
This article discusses how disability insurance is often overlooked when it comes to financial planning. Families take the time to purchase a life insurance policy, but often don't realize that the odds of a disability are much greater than the odds of death before age 65. According to this article the odds of becoming disabled are 3 to 5 times more likely than death.
Ric Edelman Logo Ric Edelman - Why is DI Needed?
Have you ever wondered just why financial planners recommend that you own disability insurance? With medical technologies becoming better every day, things that used to kill people now only disable. This article discusses the need for disability insurance, and why it is more important today than it was yesterday.
LifInsurance.net Logo Own-Occupation - Is It Really?
While most professionals do not debate that an own-occupation disability insurance contract is the most liberal definition of total disability on the market, today the consumer needs to be aware that not every company is using the same definition of "own-occupation".
1099.com Logo 1099.com - The Big Diss
This article discusses how independent consultants can still obtain individual disability insurance, even if they are working from home. There is a brief history of disability insurance provided, and an explanation as to why premiums are rather high. The article also provides links to some major insurance carriers that offer disability insurance to consultants.
About Disability Insurance Disability Insurance Underwriting
Getting an individual long term disability insurance policy is not easy, this is not a contract you just sign up for. Keeping a realistic approach to the underwriting process will make obtaining a policy a much more pleasant process. Read this article if you want to know what to expect.
Disability Insurance for Diabetics
Diabetes has reached a point in our society of epidemic proportions. More and more people are diagnosed with the disease every day, so it is important to understand how a diabetic can obtain disability insurance. This article written by a diabetic, tells the story from first hand experience.


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