A new physician evaluates his disability policy with a colleague.
CHOOSING DISABILITY INSURANCE

Evaluating a Disability Policy

5 min. read
About this article

Policies vary greatly based on the quality of the insurer, how the insurer defines disability, what the maximum benefit limits are and their premium rates. It is more important than ever for professionals to take the time to compare the contractual provisions of the policies under consideration and to understand how and why they differ.

What you´ll learn
  • How a policy’s definition of disability impacts the benefits you can receive
  • What types of renewability provisions are common in disability policies
  • The definition and importance of cost-of-living adjustments
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