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Those insurers, who specialize in disability insurance, often have to say to their new clients, and also to those people, who address them, because they need a consultation– don’t be so trustful! Many people are careless of their health and safety in the future, trusting disability insurance of their employers and hoping that they won’t have any problems when they lose labour ability. Especially this concerns those people, whose job is connected with risk. Despite boldness and ability to be reckless of danger performing chief’s tasks, they are naive, as children. We want this article to become an eye-opener for you, because you should know differences between group and individual disability insurance policy, and also between such types of it as Any-Occupation and Own-Occupation.
Read this article to the end, because your chief will never tell you that just after 5, or even 2 years, you will not get money, which you expected to obtain from insurance company till your 65, if you become a disabled person. If you didn’t execute an individual disability insurance contract, and trust group disability insurance policy, which is offered to you by your chief, thinking that this is a policy of Own-Occupation type, which gives you constant right to receive money in case of disability, if you don’t work anywhere else. But usually there is one interesting clause in such policies, in which it is said that after 2 or 5 years of disability, the contract should be reviewed and Own-Occupation type can be changed on Any-Occupation type.
What does this mean to you? It means that now you will get money only if you can’t carry on any job, even the easiest, to say nothing of those kinds of work which are presupposed by your qualification. Fortunately, very few disabled people became an invalid and can do anything because of state of their health, but, unfortunately for them, this becomes a reason to deny them to get insurance payments.
Nevertheless, we know an exit, and we will show it for you. This is an individual disability insurance policy, which is expensive, of course, but will give you a possibility to feel safe. It will work regardless of a type of your job. If you have an individual disability insurance policy, you can be sure that Any-Occupation type of this policy will really provide you insurance payments till you are 65, without forcing you to work, if you are not confined to life in bed, or to starve, if you don’t want to work anymore.
As you can see, we are absolutely open, and if you have any questions or difficult situations connected with disability insurance you can always address one of agents of our site, who will help you to know more.
Tags: disability insurance, disability insurance quotes, disabled, insurance for disabled, insurance quotes
Posted in Insurance · September 3rd, 2010 · Comments (0)
All these trivial speeches about women’s emancipation impress nobody now, in spite of the fact that many themes connected with protection of women’s rights are left open and cause many conflicts, and a frequent spectacle of single mothers, who don’t want to see a man near them, can’t shock us. But in this case a woman should be forceful, and during special period of her life, when she is in a familiar way and becomes exposed, should receive help and support. But what should become a source of this help, if she is not married and doesn’t have links with a prospective father, maybe, because of the most ordinary reason, for example, because she used services of sperm bank? Those women, who earn their living independently and who have nobody to rely on, turn to insurance companies, because they want to get a disability insurance. Some insurance companies turn down women’s requests, but we assert that they have this right.
However, the system is defective, and a woman is faced up with many difficulties. Rare insurance company includes pregnancy in coverage. And often a woman should consult not a single insurance agent, but many experts, who can offer nothing to her. The situation becomes more complicated, if you have a late pregnancy. Being in her first months of pregnancy, a woman has more forces for solving different problems with documents and negotiations with agents, and also, of course, has more chances to get insurance policy, which will satisfy her needs. But the closer is such a great event as childbirth, the more difficulties a woman has, trying to obtain the policy.
If you have got anything during the first two trimesters, we should tell you something that you should keep in mind. The majority of disability insurance contracts are based on the reason, which should last more than 90 days from the moment of the beginning of contract’s life. This situation also can become a cause of refusal, when you are on the last months of pregnancy. Besides, “Long Term Disability Insurance” as well as “Short Term Disabilty Insurance” aren’t individual policies and are usually provided by your employer.
Besides, keep in mind that if you really obtain policy, coverage of which includes your pregnancy, it will be reviewed, when you start to work. And in case of another pregnancies a woman can’t expect that it will be renewed.
Certainly, it’s a messy thing, but every logical thinker will tell you that insurance companies are right, because pregnancy is not illness or injury, which can lead to disability, but it is only a normal period in life of every woman and personal circumstances are interesting to nobody. If abnormal pregnancy led to disability, this is another cup of tea.
You can read about this situation and also about everything that interests you in disability insurance quotes, visiting our site.
Tags: disability insurance, disability insurance quotes, disabled, Insurance, insurance for disabled
Posted in Insurance · September 3rd, 2010 · Comments (0)