Disability Insurance FAQ

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Disability Insurance Q&As	Back to Resources

Basics

How Much Do I Need?

Group Or Employer Policies?

My company offers its employees a disability policy. What things should I look for when I evaluate it?
Do most employers offer group disability coverage?
I am the owner of a small c corporation. Should the corporation pay the premiums?
My employer pays all the premiums. Are my benefits taxable?
My employer's policy's definition of disability does not match mine. Does it make sense to supplement its policy with one of my own?
I'm a highly compensated employee. Our company group policy pays out 60% of my present salary, But with a payment "cap". What does that mean?
Who decides if I am disabled and eligible for benefits, And when I should return to work: my boss or the insurance company?
My employer offers additional disability coverage to full-time employees. Should I consider the coverage?
A downside of our employer's disability plan is that an employee loses coverage when he/she quits or loses the job. Will the employee then qualify to buy individual coverage?
Our company's policy has a convertible provision that permits me to convert the company's group coverage to an individual policy when I leave. However, The individual policy is watered down with weaker coverage. Should I take it or look for another?
Can an insurance company cancel group coverage?
I am on disability and my disability is expected to last for at least a couple of additional months. My company has announced that my place of work is being shut down immediately and every one is being laid off. Where does this leave me?
I belong to a union and they are going on strike. I am on disability. What will happen to my disability pay?

Private Policies (Individual)

Business Protection

Paying The Premium

Collecting Benefits

Insurance Company

Switching Policies

I want to cancel my existing disability policy and replace it with another. What are some of the considerations?


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