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Updated: April 12, 2024 at 9:38 am
Chiropractors don’t have a lot of time thinking about disability insurance, am I right?
I think you will likely agree with me on that.
Yeah, John. I am pretty busy, but I am interested in learning more about disability insurance.
Great. However, what if you could no longer do your job?
Have you ever thought about what would happen if you became sick, ill, injured, and disabled?
Updated: April 12, 2024 at 9:38 am
An agent talks to you about disability insurance, but then mentions the “elimination period” or waiting period.
Your eyes glaze over and that stops you from proceeding. Or, you briefly discuss it, and then you have a wrong impression of how it works.
Then, you will have a misstep down the road if you ever file a claim.
I already know what it is, John. It’s a probationary period.
Nope.
Updated: April 12, 2024 at 9:38 am
In this guide, we discuss key person disability insurance and why, as a business
owner, you should purchase such important, valuable coverage.
John, you say, I already have this. My other agent sold me key person life insurance.
Nope. This is different and arguably more important. Have you ever thought about what would happen if that key employee didn’t pass away, but instead, faced a long-term illness or injury?
Updated: April 12, 2024 at 9:38 am
In this article, we are going to discuss short-term disability insurance costs for
2023.
Disability insurance is an extremely important insurance that most families need. It is the only insurance that will pay a benefit to you if you are sick or hurt and can’t do your job. No other type of insurance does that.
Inflation is still high, money is still tight, and economists predict doom and gloom with a recession. I receive many phone calls from professionals about the costs of short-term disability insurance.
Continue reading Get Ahead of the Curve: 2024 Short-Term Disability Insurance Costs Explained
Updated: April 12, 2024 at 9:38 am
You purchase disability insurance to protect your income and wealth in case you are sick or hurt and can’t work. However, did you know that most disability insurance plans do not cover pre-existing conditions?
No, John, I did not know that!
Yes, that is right.
Actually, I would guess that all private, individual disability insurance plans exclude any pre-existing conditions or lifestyle situations from coverage.
However, as we will discuss, having a pre-existing condition doesn’t mean you should avoid or not accept this very important insurance.
If you have pre-existing conditions, and most people do (including me), you can still obtain disability insurance.