http://ezinearticles.com/?cat=Insurance:Disability EzineArticles.com - Trusted By Millions as The Source For Quality Original Articles http://creativecommons.org/licenses/by-nc-nd/2.0/ Thsi article will explain the benefits available in a disability insurance policy. What an elimination period is. How long a disability policy lasts. Why you would need a disability plan in the first place, and how it would help you. What determines the premium rates. Explains the ins and outs of disability policies Wed, 01 Jul 2009 11:41:24 -0500 http://ezinearticles.com/?What-is-Disability-Insurance,-Why-Do-I-Need-it-and-is-it-Affordable?&id=2525910 http://ezinearticles.com/?What-is-Disability-Insurance,-Why-Do-I-Need-it-and-is-it-Affordable?&id=2525910 More than likely if you have life insurance and suddenly die, you can count on the debt you left behind being paid off. However, most people do not really think about how their family financial situation will be handled if they are simply injured and unable to work. Tue, 23 Jun 2009 09:07:47 -0500 http://ezinearticles.com/?Disability-Insurance-A-Very-Important-Insurance-Policy&id=2504307 http://ezinearticles.com/?Disability-Insurance-A-Very-Important-Insurance-Policy&id=2504307 You can ask any financial advisor what is the most often overlooked type of insurance that people should have, and almost all will tell you it's disability insurance. Many people ignore disability insurance in comparison to life insurance. Mon, 22 Jun 2009 11:52:06 -0500 http://ezinearticles.com/?Disability-Insurance-Four-Rules&id=2504303 http://ezinearticles.com/?Disability-Insurance-Four-Rules&id=2504303 So you're out there to get disability insurance but you have no idea how much these plans normally cost. You can canvas through the insurance companies and compare which plans provide you with the best rate that go with your lifestyle and budget. Fri, 19 Jun 2009 16:13:47 -0500 http://ezinearticles.com/?Calculating-the-Disability-Insurance-Cost&id=2500460 http://ezinearticles.com/?Calculating-the-Disability-Insurance-Cost&id=2500460 If you get sick or are injured and unable to return to work, who will pay your bills? Disability insurance coverage is designed to replaces a portion of your income if you become disabled and can't resume work. A typical group plan offered by an employer will replace up to 60% of your salary. Supplemental plans and individual policies will often cover up to 70% or 80%. Thu, 18 Jun 2009 13:24:13 -0500 http://ezinearticles.com/?Long-Term-Disability-Insurance-Coverage&id=2481123 http://ezinearticles.com/?Long-Term-Disability-Insurance-Coverage&id=2481123 Protecting your assets is something that should always be a top priority. Mortgage disability insurance can help you protect your home. Mon, 15 Jun 2009 10:10:20 -0500 http://ezinearticles.com/?Why-You-Need-Mortgage-Disability-Insurance&id=2463421 http://ezinearticles.com/?Why-You-Need-Mortgage-Disability-Insurance&id=2463421 Three in 10 workers entering the work force today will become disabled before retiring. An illness or accident will keep 1 in 5 workers out of work for at least a year during their working careers. Unfortunately, over 70% of working Americans do not have enough savings to meet short-term emergencies. Most people do not understand their disability benefits until they are disabled. Mon, 15 Jun 2009 10:03:34 -0500 http://ezinearticles.com/?Can-You-Explain-How-Disability-Coverage-and-Disability-Insurance-Work?&id=2463505 http://ezinearticles.com/?Can-You-Explain-How-Disability-Coverage-and-Disability-Insurance-Work?&id=2463505 We do not spend much time thinking about what if something happens to us and we can not work, but if it does Disability insurance is something we all should have. Whether it is something we get through our job or something we sign up for on our own. Fri, 12 Jun 2009 16:18:51 -0500 http://ezinearticles.com/?How-to-Find-Cheap-Disability-Insurance&id=2464624 http://ezinearticles.com/?How-to-Find-Cheap-Disability-Insurance&id=2464624 If you are just starting out in business or have been self employed for some time you should consider protecting with Accident and Sickness insurance. Not just yourself, but you should protect your home and family against the possibility of you having an accident at work or home, or perhaps getting sick for a long time and not being able to work. Wed, 10 Jun 2009 09:20:54 -0500 http://ezinearticles.com/?Accident-and-Sickness-Insurance-For-the-Self-Employed&id=2441903 http://ezinearticles.com/?Accident-and-Sickness-Insurance-For-the-Self-Employed&id=2441903 When people take out insurance, they generally do so for the small items they own, for example, their TV, laptop or expensive hi-fi system. Very rarely do people think of insuring the most important thing they own, themselves. Fri, 05 Jun 2009 18:11:16 -0500 http://ezinearticles.com/?Protecting-Your-Income-Against-Loss&id=2437992 http://ezinearticles.com/?Protecting-Your-Income-Against-Loss&id=2437992 Try talking to disabled individuals. Chances are they made sure that they have disability health insurance. This is because for the days that they work, in all those years, they have encountered some problems that the people with disabilities did not have to face. Sat, 30 May 2009 06:45:30 -0500 http://ezinearticles.com/?Disability-Health-Insurance-Benefits&id=2409455 http://ezinearticles.com/?Disability-Health-Insurance-Benefits&id=2409455 You can create your own maternity leave benefits by acting before you conceive. Two maternity leave insurance programs can help you create maternity leave pay, while protecting your family in case of pregnancy complications, delivery complications, premature birth, accidents and illnesses. Your pregnancy and delivery also create significant tax savings opportunities that you can leverage. Thu, 21 May 2009 09:24:35 -0500 http://ezinearticles.com/?Create-Your-Own-Maternity-Leave-Benefits&id=2366236 http://ezinearticles.com/?Create-Your-Own-Maternity-Leave-Benefits&id=2366236 Often referred to as disability income insurance, disability insurance is a type of insurance policy that insures that a person receives long term financial benefits in the event of an accident that leads to an inability to work or function, or if a person becomes afflicted with an illness, leaving them unable to work. Disability insurance benefits can be disbursed either as a short-term disability, long-term disability, and paid sick leave. Thu, 21 May 2009 08:35:38 -0500 http://ezinearticles.com/?What-is-the-Purpose-of-Having-Disability-Insurance?&id=2367344 http://ezinearticles.com/?What-is-the-Purpose-of-Having-Disability-Insurance?&id=2367344 Are you self employed or the major bread winner in your family? Well then health Insurance, especially disability insurance is a wise thing to have, but spending too much on shopping for it is unwise, as you most likely will never use it. Wed, 20 May 2009 11:23:48 -0500 http://ezinearticles.com/?Disability-Insurance-is-Not-the-Be-All-End-All,-But-Definitely-an-Important-Risk-Eliminator&id=2364650 http://ezinearticles.com/?Disability-Insurance-is-Not-the-Be-All-End-All,-But-Definitely-an-Important-Risk-Eliminator&id=2364650 If you are like most people on this planet, you are not financially free. You would not be able to stop working and still support yourself and your family from your financial resources. Your ability to work for a salary or wages would therefore be one of your greatest assets. Have you insured this asset? Wed, 20 May 2009 10:12:11 -0500 http://ezinearticles.com/?Who-Needs-Disability-Insurance?&id=2358614 http://ezinearticles.com/?Who-Needs-Disability-Insurance?&id=2358614 If you become disabled through injury, sickness, or other circumstances and have not been able to work for a year, then you may be eligible for social security disability insurance (SSDI) benefits. As with any legal issue, it is in your best interest to engage the services of a disability insurance lawyer at the beginning of the benefit application process. Initial contact should be made prior reaching the 12th month of your disability so that the discovery process can begin in advance and the critical filing dates can be met. Tue, 19 May 2009 10:42:14 -0500 http://ezinearticles.com/?Social-Security-Disability-Insurance-Are-You-Eligible-to-Make-a-Claim?&id=2331587 http://ezinearticles.com/?Social-Security-Disability-Insurance-Are-You-Eligible-to-Make-a-Claim?&id=2331587 What is a State Disability Insurance? Also known as SDI, it is a partial wage for workers. This is mandated by the State and is funded by the deductions from the employee's payroll. SDI offers short-term benefits that are affordable to eligible workers who are going through a loss of wages because they cannot work. Wed, 13 May 2009 14:40:08 -0500 http://ezinearticles.com/?State-Disability-Insurance-Benefits&id=2331144 http://ezinearticles.com/?State-Disability-Insurance-Benefits&id=2331144 May is Disability Insurance Awareness Month - Disability Insurance is the type of insurance that pays in the event that you become ill or are hurt and unable to work for an extended period of time. Most Americans pay little or no attention to this valuable and important type of insurance. The biggest reasons seem to be because we all think a disability won't or can't happen to us. Thu, 07 May 2009 10:30:44 -0500 http://ezinearticles.com/?The-Forgotten-Insurance-Disability-Income&id=2303274 http://ezinearticles.com/?The-Forgotten-Insurance-Disability-Income&id=2303274 If you work in a sedentary occupation and are young and healthy, insurance and especially disability insurance is probably not at the top of your list of things to investigate. Would you be able to pay your bills should you be out of work for 90 days? Most people look at the odds of something happening to them and discount themselves as part of the statistics but at least 30% of people 35-65 suffer a disability lasting 90 days. Wed, 29 Apr 2009 15:42:05 -0500 http://ezinearticles.com/?Disability-Insurance-How-it-Works&id=2276255 http://ezinearticles.com/?Disability-Insurance-How-it-Works&id=2276255 Your family depends on your ability to run your business and bring home income. Is there a plan in place to replace your income in the event of your disability from sickness or injury? Will your mortgage get paid, your employees get paid, your business loan get paid if you are sick for 6 months or more? You may have a partner to run the business, but can the company afford to pay for the loss of your sweat equity in the business operations, you can insure your loss with disability income insurance. Sun, 26 Apr 2009 16:21:57 -0500 http://ezinearticles.com/?What-If-I-Get-Sick-Or-Become-Disabled-As-a-Business-Owner?&id=2237913 http://ezinearticles.com/?What-If-I-Get-Sick-Or-Become-Disabled-As-a-Business-Owner?&id=2237913 The long and the short of disability insurance is this: it is income that is paid to you when you are unable to work because of a debilitating sickness or an injury. So, what else should you know about it? Fri, 24 Apr 2009 08:15:59 -0500 http://ezinearticles.com/?Disability-Insurance-101-What-You-Need-to-Know-About-Disability-Insurance&id=2256885 http://ezinearticles.com/?Disability-Insurance-101-What-You-Need-to-Know-About-Disability-Insurance&id=2256885 There are three types of disability insurance when it comes to renewability. The most guarantees are with a DI policy that is non-cancellable and guaranteed renewable, the middle of the road is a policy that is just guaranteed renewable, and a conditionally renewable policy offers you the fewest guarantees. There are some significant price differences, so let me help you understand what it is you are paying for. Tue, 21 Apr 2009 15:59:03 -0500 http://ezinearticles.com/?Non-Cancellable-Disability-Insurance-Reviewed&id=2236489 http://ezinearticles.com/?Non-Cancellable-Disability-Insurance-Reviewed&id=2236489 Can someone with a Traumatic Brain Injury get Social Security disability benefits? Yes, depending on the specific facts of the case. Information in this article will help you to determine if the possibility for receiving benefits exists in your case. Tue, 21 Apr 2009 07:56:54 -0500 http://ezinearticles.com/?Traumatic-Brain-Injury-and-Social-Security-Disability&id=2232299 http://ezinearticles.com/?Traumatic-Brain-Injury-and-Social-Security-Disability&id=2232299 There are lots of frustrations with applying for Social Security disability or SSI benefits. The paperwork is painstaking and repetitive, the staff are busy and often calloused, and it is difficult to determine what is going on with your disability claim. But the hardest part about applying for Social Security disability is the WAIT. Tips on reducing your wait and what the current problems are with the Social Security disability program. Thu, 16 Apr 2009 15:59:51 -0500 http://ezinearticles.com/?Social-Security-Disability-How-the-Hearing-Backlog-Affects-My-Claim&id=2218170 http://ezinearticles.com/?Social-Security-Disability-How-the-Hearing-Backlog-Affects-My-Claim&id=2218170 Mental illness can be as debilitating as physical illness. However, often insurance companies and society at large does not recognize the devastation mental illness can inflict upon its victims. Tue, 14 Apr 2009 09:11:32 -0500 http://ezinearticles.com/?Psychological-Disability-Very-Real,-But-Difficult-to-Prove&id=2199505 http://ezinearticles.com/?Psychological-Disability-Very-Real,-But-Difficult-to-Prove&id=2199505 In my estimation, disability insurance is even more important than life insurance. If you have life insurance, your family will be taken care of. In you survive a deadly disease but cannot work, how will your family endure the financial hardship. Thu, 09 Apr 2009 12:17:19 -0500 http://ezinearticles.com/?Disability-Insurance-Even-More-Important-Than-Life-Insurance&id=2183255 http://ezinearticles.com/?Disability-Insurance-Even-More-Important-Than-Life-Insurance&id=2183255 Many people consider their home and cars to be their most valuable assets. Usually a lot of thought and consideration is given about the best way of protecting the home against fire, flood and theft. Your income is your most valuable asset. This is the asset that makes owning a home and car possible. Wed, 08 Apr 2009 11:42:06 -0500 http://ezinearticles.com/?Are-You-Protecting-Your-Most-Valuable-Asset?&id=2138353 http://ezinearticles.com/?Are-You-Protecting-Your-Most-Valuable-Asset?&id=2138353 Is your employer offering disability retirement plans? If yes, then you're lucky. In general, employers are not required to offer the said plan. The nice thing about disability plans is the benefits it will give to the employees who become disabled while in service. It's really good if your employer is open about having disability retirement plans for you and your colleagues. You will never know what will happen to your physical health. Mon, 30 Mar 2009 14:19:31 -0500 http://ezinearticles.com/?Disability-Retirement-Plans-For-Disabled-Employees&id=2149861 http://ezinearticles.com/?Disability-Retirement-Plans-For-Disabled-Employees&id=2149861 It is said that claims on disability almost always start or finish in a residual claim. But few people know what a residual claim is. This is an important issue because the most common disabilities fall into this category and therefore you should try to get a policy that offers sufficient protection in the event of such losses. Thu, 26 Mar 2009 08:48:12 -0500 http://ezinearticles.com/?Disability-Insurance-Understanding-the-Concept-of-Residual&id=2134682 http://ezinearticles.com/?Disability-Insurance-Understanding-the-Concept-of-Residual&id=2134682 Disability insurance is the most over-looked insurance policy on the market and for many people it is the most important policy they could own. This article looks at the benefits and costs of carrying this coverage. Thu, 05 Mar 2009 15:21:16 -0600 http://ezinearticles.com/?Disability-Insurance-is-the-Most-Over-Looked-Insurance-Policy&id=2031582 http://ezinearticles.com/?Disability-Insurance-is-the-Most-Over-Looked-Insurance-Policy&id=2031582 The financial devastation that accompanies serious illness and injury is a real risk for growing numbers of American families. With more than 65% of people living paycheck to paycheck and a shaky economy causing that number to grow, more than ever Americans need the security of knowing that their income is a constant. Wed, 04 Mar 2009 09:24:53 -0600 http://ezinearticles.com/?Disability-Insurance-Critical-For-Most-Americans&id=1833682 http://ezinearticles.com/?Disability-Insurance-Critical-For-Most-Americans&id=1833682 The largest asset most business owners have is their future earnings potential. The largest threat to that asset's realization is disability (i.e. the risk is 3 times more frequent than death, 100 times more frequent than fire). Most business owners have their priorities reversed... Mon, 23 Feb 2009 10:26:32 -0600 http://ezinearticles.com/?Protecting-Your-Future-Income-Stream-From-Your-Business&id=1966449 http://ezinearticles.com/?Protecting-Your-Future-Income-Stream-From-Your-Business&id=1966449 The largest asset most business owners have is their future earnings potential. The largest threat to that asset's realization is disability (i.e. the risk is 3 times more frequent than death, 100 times more frequent than fire). Most business owners have their priorities reversed... Fri, 20 Feb 2009 15:03:37 -0600 http://ezinearticles.com/?Protecting-Your-Future-Income-Stream-From-Your-Business&id=1966449 http://ezinearticles.com/?Protecting-Your-Future-Income-Stream-From-Your-Business&id=1966449 The largest asset most business owners have is their future earnings potential. The largest threat to that asset's realization is disability (i.e. the risk is 3 times more frequent than death, 100 times more frequent than fire). Most business owners have their priorities reversed... Thu, 19 Feb 2009 15:22:02 -0600 http://ezinearticles.com/?Protecting-Your-Future-Income-Stream-From-Your-Business&id=1966449 http://ezinearticles.com/?Protecting-Your-Future-Income-Stream-From-Your-Business&id=1966449 A commonly held perception is that disabilities are either the result of injuries or exist from birth. However, new information indicates that this perception is not entirely valid. Individuals with disabling conditions, more often than not, are disabled as a result of an illness. Wed, 18 Feb 2009 10:06:21 -0600 http://ezinearticles.com/?Moving-From-Short-Term-to-Long-Term-Disability&id=1997577 http://ezinearticles.com/?Moving-From-Short-Term-to-Long-Term-Disability&id=1997577 When Lt. Gov. John Garamendi was the state of California's chief insurance regulator he drafted a set of regulations intended to protect policyholders of disability insurance. These protections were implemented after he left office in January 2007 and was succeeded by Steve Poizner (R). Now the two are butting heads as Poizner tries to make regulation changes. According to Garamendi, these changes will weaken consumer protections and be a tragedy for policyholders. Wed, 18 Feb 2009 09:52:27 -0600 http://ezinearticles.com/?Is-California-Going-to-Weaken-Insurance-Protections?&id=1997581 http://ezinearticles.com/?Is-California-Going-to-Weaken-Insurance-Protections?&id=1997581 The largest asset most business owners have is their future earnings potential. The largest threat to that asset's realization is disability (i.e. the risk is 3 times more frequent than death, 100 times more frequent than fire). Most business owners have their priorities reversed... Sun, 15 Feb 2009 08:47:15 -0600 http://ezinearticles.com/?Protecting-Your-Future-Income-Stream-From-Your-Business&id=1966449 http://ezinearticles.com/?Protecting-Your-Future-Income-Stream-From-Your-Business&id=1966449 Retirement is something most of us begin to think about by the time we hit our forties. But planning for disability is something we seldom consider. That is despite the fact that 1 out of 3 of us may suffer from some level of disability at some point in our lives. Wed, 11 Feb 2009 16:06:25 -0600 http://ezinearticles.com/?Have-You-Planned-Your-Disability-Today?&id=1975313 http://ezinearticles.com/?Have-You-Planned-Your-Disability-Today?&id=1975313 Having an accident or contracting an illness can be a problem, so disability insurance has been designed to guarantee you still get an income, Despite illness or accident, family bills still need to be paid. This type of position causes additional stress thus disability protection can act as a safety net while you are handicapped. Statistics show that a person is more likely to have an extended break period from their normal work place, owing to accident or injury, and need disability cover, than they are to die before they reach 65 years old. Wed, 11 Feb 2009 14:41:35 -0600 http://ezinearticles.com/?Cover-Yourself-From-Accidents-With-Disability-Insurance&id=1974717 http://ezinearticles.com/?Cover-Yourself-From-Accidents-With-Disability-Insurance&id=1974717 It is important to have disability insurance because you never know when you might be out of work and having this insurance you will still get a paycheck. You never know when you might be in an accident or you might get sick and to miss work and have no income can be devastating for you to deal with. Disability insurance will give you peace of mind if you get into a situation where you can not work and you need an income. If you have a family that relies on your income there there is even more reason to make sure you are protected from the worse case scenario happening. Tue, 10 Feb 2009 14:21:18 -0600 http://ezinearticles.com/?Disability-Insurance-Out-of-Work?&id=1969340 http://ezinearticles.com/?Disability-Insurance-Out-of-Work?&id=1969340 Most Americans are just a heart attack, cancer or stroke away from financial disaster. When a critical illness strikes it puts a financial toll on the family. Financial concerns impacted your health even though more people are surviving critical illnesses. This can increase stress for the illness that can prolong the recovery period. Tue, 10 Feb 2009 08:54:47 -0600 http://ezinearticles.com/?Critical-Illness-Insurance-End-Up-Empty-Handed-Without-It&id=1950724 http://ezinearticles.com/?Critical-Illness-Insurance-End-Up-Empty-Handed-Without-It&id=1950724 This article breaks down the main differences between Mortgage Protection Insurance and Mortgage Disability Insurance. It will also break down what might be right for you. Mon, 09 Feb 2009 09:47:14 -0600 http://ezinearticles.com/?Mortgage-Protection-Insurance-Vs-Mortgage-Disability-Insurance&id=1928506 http://ezinearticles.com/?Mortgage-Protection-Insurance-Vs-Mortgage-Disability-Insurance&id=1928506 Disability income (DI) insurance is able to compensate a policy holder in the event of an accident or illness that results in lost wages due to being unable to operate in one's regular employment duties. A lot of employers offer a group disability insurance scheme as part of the employment package, so that's going to provide cover for most workers. Fri, 06 Feb 2009 13:51:44 -0600 http://ezinearticles.com/?Disability-Income-Insurance-Options&id=1961352 http://ezinearticles.com/?Disability-Income-Insurance-Options&id=1961352 How much will the SSA grant in supplemental income, and what benefits can you receive? When you or a family member is unable to work due to a work-related injury or a severe medical condition, you can apply for Social Security benefits from the Social Security Administration. How soon, and how often, will I receive Social Security disability benefits? Wed, 04 Feb 2009 13:43:37 -0600 http://ezinearticles.com/?How-Much-Can-I-Get-From-2009-Social-Security-Disability-Benefits?&id=1933281 http://ezinearticles.com/?How-Much-Can-I-Get-From-2009-Social-Security-Disability-Benefits?&id=1933281 Finally, a REAL reason to get disability insurance. You will be happy to covered if something happens to you or your family. Now you can get insider tips in this article! Fri, 23 Jan 2009 09:03:28 -0600 http://ezinearticles.com/?Disability-Insurance-You-Need-It!-Why-Though-You-May-Ask?-Find-Out-Now!&id=1901481 http://ezinearticles.com/?Disability-Insurance-You-Need-It!-Why-Though-You-May-Ask?-Find-Out-Now!&id=1901481 Disability can strike at any moment; upon a diagnosis during a routine check up or upon a work related accident. Most companies offer standard disability insurance as mandated by law in many states, what many of us are unaware of if the fact that we can implement a better insurance policy for little cost through the employer. Thu, 08 Jan 2009 16:33:53 -0600 http://ezinearticles.com/?What-This-Spousal-Caregiver-Wishes-She-Had-Known-About-Disability-Insurance&id=1397199 http://ezinearticles.com/?What-This-Spousal-Caregiver-Wishes-She-Had-Known-About-Disability-Insurance&id=1397199 When you become disabled, it is important to know the legal rights to which you are entitled. Doing so prevents you from being taken advantage of and could have a big impact on your financial security. Fri, 02 Jan 2009 15:49:36 -0600 http://ezinearticles.com/?Tips-For-Filing-a-Disability-Claim&id=1830997 http://ezinearticles.com/?Tips-For-Filing-a-Disability-Claim&id=1830997 It seems like there are so many types of insurance these days. We're required to have car insurance. It's terribly expensive if we get sick and don't have health insurance, or dental insurance for that matter. Fri, 02 Jan 2009 08:48:05 -0600 http://ezinearticles.com/?Disability-Insurance-and-Peace-of-Mind&id=1835167 http://ezinearticles.com/?Disability-Insurance-and-Peace-of-Mind&id=1835167 As you get older, there are some things you know you just have to do, whether you want to or not. If you have children, you have to start a 529 plan to save for their college tuition. You have to purchase life insurance to protect them in case you pass away before expected, and you also need to own a personal disability insurance policy to make sure there is always an income for the family. If you can not work because of an accident or illness, disability insurance is the only product out there that will make sure you can continue to pay your bills, and live in the lifestyle you have grown accustomed to. Wed, 31 Dec 2008 10:33:06 -0600 http://ezinearticles.com/?You-Know-You-Need-it-Now-is-the-Time-to-Buy-Disability-Insurance&id=1786555 http://ezinearticles.com/?You-Know-You-Need-it-Now-is-the-Time-to-Buy-Disability-Insurance&id=1786555 Each Social Security disability case can be quite different: the information needed to be eligible is dependent upon the case details, the length of time taken to award benefits may vary, and the amount of money awarded is individual to each case. While there are many variables in being accepted for Social Security disability (SSD), there are some facts about the process that you can count on. Wed, 31 Dec 2008 08:04:46 -0600 http://ezinearticles.com/?Social-Security-Disability-Facts&id=1815050 http://ezinearticles.com/?Social-Security-Disability-Facts&id=1815050 It is not uncommon for a person to wait many months or even years to get a final decision on their Social Security disability claim. Even when a claimant has a serious illness, the process is so convoluted that, up until now, there has never been an easy, cut-and-dry way for them to receive an approval and start receiving their benefits. Wed, 31 Dec 2008 08:01:47 -0600 http://ezinearticles.com/?Social-Security-Disability-May-Become-More-Compassionate-Toward-Claimants&id=1815023 http://ezinearticles.com/?Social-Security-Disability-May-Become-More-Compassionate-Toward-Claimants&id=1815023 It is a sad fact that many people are not equipped with the necessary knowledge about the proper way to apply for Social Security disability claims. For this reason, a lot of them are meeting serious problems when they are claiming for their benefits. Mon, 08 Dec 2008 15:50:03 -0600 http://ezinearticles.com/?Essential-Pointers-For-Social-Security-Disability-Claims&id=1751792 http://ezinearticles.com/?Essential-Pointers-For-Social-Security-Disability-Claims&id=1751792 Disability claims due to medical malpractice stand out among the rest of other civil claims that are presented to courts of laws. Apparently, a disability cannot solely affect the physical being of a person but as well as his psychological state; and eventually, crushing his self-esteem and worse grab his capacity to work for life. Thu, 04 Dec 2008 15:17:03 -0600 http://ezinearticles.com/?Disability-Claims-Caused-by-Medical-Malpractice&id=1751788 http://ezinearticles.com/?Disability-Claims-Caused-by-Medical-Malpractice&id=1751788 The insurance quotes, for disability insurance, are not the easiest thing in the world to read and understand, and insurance provided through Social Security is the government's largest income support program for the disabled, providing monthly cash benefits to workers who sustain severe, long-term disabilities. People with disabilities usually benefit from Social Security under several categories of assistance. Wed, 03 Dec 2008 09:38:37 -0600 http://ezinearticles.com/?Disability-Insurance-Replacing-You-Income-in-Case-of-Injury&id=1712729 http://ezinearticles.com/?Disability-Insurance-Replacing-You-Income-in-Case-of-Injury&id=1712729 Short term disability has become standard alternative to replace the unemployment insurance benefit due to sickness. It must cover no less than the minimum benefit under EI plan. Normally, it pays no less than 70% of employee pre disable income and it is no taxable. The waiting period has below characteristics Mon, 17 Nov 2008 16:18:42 -0600 http://ezinearticles.com/?Understand-Disability-Benefit-Covered-in-Group-Insurance-Plan&id=1693042 http://ezinearticles.com/?Understand-Disability-Benefit-Covered-in-Group-Insurance-Plan&id=1693042 Disability insurance has been labeled as another "necessary evil." However, many don't even feel it's necessary. They just see it as evil. Fri, 14 Nov 2008 15:08:28 -0600 http://ezinearticles.com/?The-Benefits-of-Disability-Insurance&id=1679017 http://ezinearticles.com/?The-Benefits-of-Disability-Insurance&id=1679017 Applying for disability can sometimes also mean being to an examination. Understandably, claimants who receive examination appointment letters are nervous about the significance of such exams. However, they are simply another part of the disability case evaluation process. Fri, 14 Nov 2008 09:44:00 -0600 http://ezinearticles.com/?Social-Security-Disability-Exam-What-Should-You-Expect?&id=1680931 http://ezinearticles.com/?Social-Security-Disability-Exam-What-Should-You-Expect?&id=1680931 Have you ever thought about what the future might be like for you if you were to gain a disability? Will Social Security be enough? In this article we will explore the options and the pitfalls of being under insured when tragedy strikes. Tue, 04 Nov 2008 10:12:18 -0600 http://ezinearticles.com/?Planning-For-a-Better-Future&id=1644024 http://ezinearticles.com/?Planning-For-a-Better-Future&id=1644024 The number one cause for bankruptcy in the United States is unpaid medical bills or a medical issue which prevents the bread winner for working. These bankruptcies are totally preventable if only these folks would have bought disability insurance to prevent the potential eventuality of disability debt. With proper insurance any worker, employee, or small business owner can insure not only their medical bills, but also against loss of income. The average American is financially tapped out and in a sea of both long and short term debt. Fri, 31 Oct 2008 13:24:00 -0500 http://ezinearticles.com/?Disability-Debt-and-Bankruptcy-Can-Be-Avoided-With-Proper-Insurance&id=1634146 http://ezinearticles.com/?Disability-Debt-and-Bankruptcy-Can-Be-Avoided-With-Proper-Insurance&id=1634146 VA Disability Benefits can be a very confusing and frustrating process. Get tips and best practices before you apply for VA disability benefits and help you better navigate the VA disability claim process. Thu, 16 Oct 2008 11:07:40 -0500 http://ezinearticles.com/?VA-Disability-Benefits&id=886899 http://ezinearticles.com/?VA-Disability-Benefits&id=886899 Disability insurance is one of the most overlooked types of insurance. People will provide insurance for their cars and their property, but they often overlook the risks of everyday life on their families. Disability insurance provides you with funds when you cannot work to help pay for your household expenditures. This article discusses the reasons why this insurance may be overlooked, and what you should know about disability insurance. Wed, 15 Oct 2008 15:14:13 -0500 http://ezinearticles.com/?The-Facts-About-Disability-Insurance&id=1570657 http://ezinearticles.com/?The-Facts-About-Disability-Insurance&id=1570657 It takes an understanding of the basics of Social Security to submit an application to the SSA. Most people understand that Disability Insurance, or SSDI (sometimes called Title II) are for individuals who have worked in the past but are unable to do so anymore, or at least for an extended period of time. They also know that monthly checks will come from Social Security (if approved), as well as a back benefits check. Wed, 15 Oct 2008 15:04:52 -0500 http://ezinearticles.com/?Social-Security-Disability-Why-Disability-Insurance-is-the-Best&id=1571032 http://ezinearticles.com/?Social-Security-Disability-Why-Disability-Insurance-is-the-Best&id=1571032 Commercial Policy a) Premiums can be changed or canceled on an individual basis, usually occurring on the anniversary date. b) Restrictive clauses and exclusions can be added by amendment after issue. c) Contract wording may be prohibitive. d) This type of policy may be issued as an "Accident Only" policy, or as an accident and sickness policy and rate are the least expensive of the three types. Wed, 15 Oct 2008 12:34:29 -0500 http://ezinearticles.com/?Disability-Insurance-21-Understand-Types-of-Individual-Disability-Insurance&id=1578819 http://ezinearticles.com/?Disability-Insurance-21-Understand-Types-of-Individual-Disability-Insurance&id=1578819 Corporate plans cover disabilities from both accident and sickness that provide benefit of long term and short term and it can be provided separately or joined seamlessly. Short term and long term disability plans. Wed, 15 Oct 2008 12:32:34 -0500 http://ezinearticles.com/?Disability-Insurance-20-Understand-Corporate-Disability-Insurance&id=1578814 http://ezinearticles.com/?Disability-Insurance-20-Understand-Corporate-Disability-Insurance&id=1578814 The classification may vary between companies and the number of classifications may vary from as few as five to twenty or more. Occupations are grouped into classification and under writing is restricted to proper occupation classification. Wed, 15 Oct 2008 12:31:50 -0500 http://ezinearticles.com/?Disability-Insurance-19-Understand-Individual-Disability-Insurance-Occupation-Classification&id=1578803 http://ezinearticles.com/?Disability-Insurance-19-Understand-Individual-Disability-Insurance-Occupation-Classification&id=1578803 As a medical resident, how long can you afford to be without a paycheck because you can't work due to illness or injury? Can you afford to literally burn through the majority of your savings over a period of months? Disability insurance is often the last thing on a medical resident's mind. Wed, 15 Oct 2008 11:49:03 -0500 http://ezinearticles.com/?Medical-Resident-Disability-Income-Insurance-Protecting-Your-Cash-Flow&id=1568852 http://ezinearticles.com/?Medical-Resident-Disability-Income-Insurance-Protecting-Your-Cash-Flow&id=1568852 The social security and supplemental income disability programs are the largest federal programs providing assistance to people with disabilities. Social security disability insurance pays you and your family benefits if you have worked long enough and paid enough social security taxes. Wed, 15 Oct 2008 10:02:31 -0500 http://ezinearticles.com/?Social-Security-Disability-Insurance-Why-You-Need-to-Research-It&id=1574069 http://ezinearticles.com/?Social-Security-Disability-Insurance-Why-You-Need-to-Research-It&id=1574069 A lot of people are worried about what would happen in the event they were unable to work. In fact, the inability to work due to an accident or illness is something that frightens many people and is the main caused for the need for disability insurance. Statistics show that becoming disability prior to age 65 is a real possibility for large percentage of working people and one out three of them will be disabled by their mid-fifties. Tue, 14 Oct 2008 11:10:57 -0500 http://ezinearticles.com/?Disability-Insurance-18-The-Need-For-Disability-Insurance&id=1575373 http://ezinearticles.com/?Disability-Insurance-18-The-Need-For-Disability-Insurance&id=1575373 Since income earned from employment is the foundation of most people's financial well-being. Income replacement insurance is a vital part of business owner as well as working people as it allows the continuation of income in case of accident or sickness. Consultants/contracted employees and professionals, such as lawyers, doctors, dentists, etc are more vulnerable to income disruption if they suffer from disability because of specialty of their occupations and replacement for their work is hard to find. Tue, 14 Oct 2008 11:09:59 -0500 http://ezinearticles.com/?Disability-Insurance-17-Why-is-Important-to-Have-Disability-Income-Replacement-Insurance&id=1575367 http://ezinearticles.com/?Disability-Insurance-17-Why-is-Important-to-Have-Disability-Income-Replacement-Insurance&id=1575367 Disability insurance includes the following riders and benefits that allow the insured to customize the coverage to meet the exact needs of the insured. Automatic insurability - This rider if it is included in the policy allows the insured to increase the monthly benefit on specified option dates without providing medical evidence. Tue, 14 Oct 2008 11:07:54 -0500 http://ezinearticles.com/?Disability-Insurance-16-Understand-Disability-Insurance-Riders&id=1575361 http://ezinearticles.com/?Disability-Insurance-16-Understand-Disability-Insurance-Riders&id=1575361 Many life insurance policies offer a "waiver of premium" provision in the event the policy owner becomes disabled during the term of the policy. A separate premium is payable for this additional coverage or rider. Tue, 14 Oct 2008 08:49:17 -0500 http://ezinearticles.com/?Disability-Insurance-15-Disability-Benefits-Under-Life-Insurance-Policies&id=1573025 http://ezinearticles.com/?Disability-Insurance-15-Disability-Benefits-Under-Life-Insurance-Policies&id=1573025 If the corporation owns the policy and benefits are payable to the corporation,the benefits may be able to be claimed by corporate creditors. As well, when there are a number of shareholders involved in the buy/sell agreement and insurance, the allocation of premium costs need to be addressed. Fri, 10 Oct 2008 13:18:57 -0500 http://ezinearticles.com/?Disability-Insurance-13-Tax-and-Non-Tax-Perspective-For-Buy-Sell-Policies&id=1569303 http://ezinearticles.com/?Disability-Insurance-13-Tax-and-Non-Tax-Perspective-For-Buy-Sell-Policies&id=1569303 The main purpose of disability insurance is to to replace an individual's income should they be unable to work, helps to balance between personal earnings and expenses suddenly is upset, and the threat of financial disaster can quickly become a reality as a result of either an accident or a sickness. In this article, we will discuss the contract wording of total disability of disability insurance. Fri, 10 Oct 2008 13:17:53 -0500 http://ezinearticles.com/?Disability-Insurance-07-Understand-Disability-Insurance-Contract-Wording-of-Total-Disability&id=1569294 http://ezinearticles.com/?Disability-Insurance-07-Understand-Disability-Insurance-Contract-Wording-of-Total-Disability&id=1569294 As we mentioned in the other articles, the main purpose of disability insurance is to to replace an individual's income should they be unable to work, helps to balance between personal earnings and expenses suddenly is upset, and the threat of financial disaster can quickly become a reality as a result of either an accident or a sickness. In this article, we will discuss grace period, elimination period ,benefit period and partial disability of disability insurance policy. Understand all above definitions are very important for people purchasing disability insurance. Fri, 10 Oct 2008 12:50:44 -0500 http://ezinearticles.com/?Disability-Insurance-08-Grace,-Elimination,-Benefit-Period-and-Partial-Disability&id=1561872 http://ezinearticles.com/?Disability-Insurance-08-Grace,-Elimination,-Benefit-Period-and-Partial-Disability&id=1561872 A Wage loss replacement plans normally requires that a Directors' Resolution be passed that authorizes the corporation to purchase individual disability policies covering key employees of the business.It is designed to provide the benefits of individual disability policies to key employees, while at the same time maximizing the tax benefits to both the employer and employee. Fri, 10 Oct 2008 11:27:58 -0500 http://ezinearticles.com/?Disability-Insurance-14-Disability-Insurance-For-Wage-Loss-Replacement-Plans&id=1569328 http://ezinearticles.com/?Disability-Insurance-14-Disability-Insurance-For-Wage-Loss-Replacement-Plans&id=1569328 Disability buy-sell insurance is designed to assist healthy owners to fund the purchase of a disabled owner's share of the business. In fact, the likelihood of a long-term disability affecting the business increases as the number of owners in that business increases. Therefore, it is extremely important for business owners to consider disability buy-out insurance as part of their buy-sell program. Fri, 10 Oct 2008 08:26:16 -0500 http://ezinearticles.com/?Disability-Insurance-12-Buy-Sell-Policies&id=1565344 http://ezinearticles.com/?Disability-Insurance-12-Buy-Sell-Policies&id=1565344 As we mentioned in other articles,the main purpose of disability insurance is to to replace an individual's income should they be unable to work, helps to balance between personal earnings and expenses suddenly is upset, and the threat of financial disaster can quickly become a reality as a result of either an accident or a sickness. In this article, we will discuss types of disability insurance issued by the insurance companies. Fri, 10 Oct 2008 08:25:53 -0500 http://ezinearticles.com/?Disability-Insurance-06-Types-of-Coverages&id=1559630 http://ezinearticles.com/?Disability-Insurance-06-Types-of-Coverages&id=1559630 Since a business owner is responsible for a variety of fixed expenses. Some examples include rent, salaries of employees and utilities. If the business owner suffers a disability, these expenses continue, but the income-earning capacity of the business may be significantly reduced. there fore business overhead disability insurance is important in maintaining the business in case of disability. Fri, 10 Oct 2008 08:24:50 -0500 http://ezinearticles.com/?Disability-Insurance-11-Disability-Insurance-For-Business-Overhead-Coverage&id=1565336 http://ezinearticles.com/?Disability-Insurance-11-Disability-Insurance-For-Business-Overhead-Coverage&id=1565336 The insurance helps to pay for the reimbursement of business expenses in case of disability of the insured. Since a business owner is responsible for a variety of fixed expenses. Some examples include rent, salaries of employees and utilities, if the business owner suffers a disability, these expenses continue, but the income-earning capacity of the business may be significantly reduced. This type of insurance provide owner with necessary funds to pay for all above expenses. Fri, 10 Oct 2008 08:19:16 -0500 http://ezinearticles.com/?Disability-Insurance-10-Types-of-Disability-Insurance&id=1565327 http://ezinearticles.com/?Disability-Insurance-10-Types-of-Disability-Insurance&id=1565327 As we mentioned in the other articles, the main purpose of disability insurance is to to replace an individual's income should they be unable to work, helps to balance between personal earnings and expenses suddenly is upset, and the threat of financial disaster can quickly become a reality as a result of either an accident or a sickness. In this article, we will discuss residual disability in disability insurance policy. Residual Disability benefits are based on the insured's loss of earnings. Thu, 09 Oct 2008 14:33:00 -0500 http://ezinearticles.com/?Disability-Insurance-09-Understand-Residual-Disability&id=1561896 http://ezinearticles.com/?Disability-Insurance-09-Understand-Residual-Disability&id=1561896 Long term disability pay benefits begins when the short term disability coverage end. The benefit period for long term disability is usually paid to age 65, although there are shorter periods available. The long term disability benefit amount is based on the person's monthly income.The most common amount of the benefit is 66 2/3%. Thu, 09 Oct 2008 08:23:35 -0500 http://ezinearticles.com/?Disability-Insurance-04-Disability-Covered-by-Group-and-Associate-Plans&id=1551222 http://ezinearticles.com/?Disability-Insurance-04-Disability-Covered-by-Group-and-Associate-Plans&id=1551222 Let's say you work for a company that has excellent benefits and a great insurance health package too. Unfortunately, your health care provider from your employment does not cover income and disability insurance. If you are hurt on the job in some type of industrial accident then you are covered by workmen's comp insurance. But what happens if you are hurt outside of work? What if you are hit by a hit and run driver on your bicycle or you fall off your roof or any number of back breaking events? Wed, 08 Oct 2008 15:06:57 -0500 http://ezinearticles.com/?Income-and-Disability-Insurance&id=1557826 http://ezinearticles.com/?Income-and-Disability-Insurance&id=1557826 Entrepreneurs are almost always irreplaceable when it comes to small business, if they get sick or become disabled the business fails, their income dries up and they end up in bankruptcy. But, there is insurance for such things; disability insurance protects the income of a business owner, individual or entrepreneur that gets sick or hurt. This type of insurance can save a business by paying its bills, as well as the individual's personal bills. Income disability insurance can be a life-saver. Wed, 08 Oct 2008 14:52:45 -0500 http://ezinearticles.com/?Disability-Insurance-What-If-You-Are-a-Business-Owner-and-Cannot-Work&id=1557402 http://ezinearticles.com/?Disability-Insurance-What-If-You-Are-a-Business-Owner-and-Cannot-Work&id=1557402 Most part-time and full-time workers are covered by Workers Compensation plans from the moment they are hired. The system covers those workers who are injured on the job. Wed, 08 Oct 2008 08:41:08 -0500 http://ezinearticles.com/?Disability-Insurance-03-Workers-Compensation-Board&id=1548251 http://ezinearticles.com/?Disability-Insurance-03-Workers-Compensation-Board&id=1548251 As we mentioned in the previous article, most working people are covered under government insurance plan. In this article, we will discuss how government pension plan covers in case of disability of working people. These plans provide death benefits, income for surviving spouses and dependent children as well as disability income benefits for qualified member. Wed, 08 Oct 2008 08:38:28 -0500 http://ezinearticles.com/?Disability-Insurance-02-Disability-Covered-by-Government-Pension-Plan&id=1548245 http://ezinearticles.com/?Disability-Insurance-02-Disability-Covered-by-Government-Pension-Plan&id=1548245 Insurers use an occupational class schedule to determine the level of risk associated with different occupations. The applicant's class determines by both the type of coverage and the premium to be paid for that coverage. Tue, 07 Oct 2008 09:24:32 -0500 http://ezinearticles.com/?Disability-Insurance-05-Eligibility-For-Income-Replacement-Insurance&id=1551243 http://ezinearticles.com/?Disability-Insurance-05-Eligibility-For-Income-Replacement-Insurance&id=1551243 Like health insurance is very vital to one and all, so is disability insurance. Disability insurance provides cover for occupational hazards that might cause you to have some unexpected accidents while at work. It also provides benefits if you become sick while at work. While companies take good efforts towards ensuring the safety of its employees, there are possibilities of accidents while at work. In such a case, if an employee is not able to report for work due to disability from some injury or illness while at work, disability insurance is provided to compensate for loss of income due to absence. Though disability insurance is typically not equivalent to monthly income, it is provided to cover financial burden while being away from work. Mon, 06 Oct 2008 14:59:33 -0500 http://ezinearticles.com/?Health-Insurance-Following-Disability-What-Do-You-Understand-by-Disability-Insurance?&id=1548836 http://ezinearticles.com/?Health-Insurance-Following-Disability-What-Do-You-Understand-by-Disability-Insurance?&id=1548836 The main purpose of disability insurance is to to replace an individual's income should they be unable to work as a result of either an accident or a sickness. In fact, People tend not to spend a lot of time thinking about the financial devastation that could result from a disabling injury or sickness therefore if disability strikes, the balance between personal earnings and expenses suddenly is upset, and the threat of financial disaster can quickly become a reality. In this article, we will discuss the government program that will help the short needed for disable workers. Mon, 06 Oct 2008 09:22:51 -0500 http://ezinearticles.com/?Disability-Insurance-01-Unemployment-Insurance-Government-Program-in-Case-of-Disability&id=1545099 http://ezinearticles.com/?Disability-Insurance-01-Unemployment-Insurance-Government-Program-in-Case-of-Disability&id=1545099 It is the insurance that reimburses the individual for actual business expenses incurred after the key person disability commences such as such as rent, staff salaries, business mortgage loan interest, depreciation or loan principal, and leased or rented equipment. Included would also be telephone, utilities, property taxes. Fri, 03 Oct 2008 15:49:12 -0500 http://ezinearticles.com/?Business-Disability-Insurance-23-Disability-Insurance-of-Key-Persons&id=1541721 http://ezinearticles.com/?Business-Disability-Insurance-23-Disability-Insurance-of-Key-Persons&id=1541721 The reasons why disability insurance is considered necessary in the U.S. Find out if you need to get one. Thu, 02 Oct 2008 09:56:28 -0500 http://ezinearticles.com/?The-Need-For-Disability-Insurance&id=1538238 http://ezinearticles.com/?The-Need-For-Disability-Insurance&id=1538238 When one partner becomes disabled, the other partner must carry the entire business burden. Also, the contribution to the profit of the disabled partner to the partnership no longer exist causing many problems to the partnership. Thu, 02 Oct 2008 09:10:15 -0500 http://ezinearticles.com/?Business-Disability-Insurance-22-The-Effect-of-Disability-of-a-Partner-of-Partnership&id=1537949 http://ezinearticles.com/?Business-Disability-Insurance-22-The-Effect-of-Disability-of-a-Partner-of-Partnership&id=1537949 A disability can occur when we least expect it and, as you've already indicated, the consequences can be devastating. In most cases, the disabled person's income will be needed to help the family survive. However, replacement income can be provided by a Group L.T.D. or an individual policy. Tue, 30 Sep 2008 15:08:04 -0500 http://ezinearticles.com/?Business-Insurance-21-The-Effect-of-a-Disability-of-Sole-Proprietor&id=1533612 http://ezinearticles.com/?Business-Insurance-21-The-Effect-of-a-Disability-of-Sole-Proprietor&id=1533612 Can your family afford to lose your income during and after your maternity time? Several affordable income insurance options for soon-to-be Moms. Fri, 26 Sep 2008 08:14:29 -0500 http://ezinearticles.com/?Maternity-Disability-How-Moms-Can-Protect-Their-Income-During-and-After-Delivery&id=1511697 http://ezinearticles.com/?Maternity-Disability-How-Moms-Can-Protect-Their-Income-During-and-After-Delivery&id=1511697 Group disability insurance can be a great start to protecting your income. But it's just a start. Affordable supplemental insurance can plug the holes in a group policy to ensure you're assets are properly protected. Sat, 20 Sep 2008 09:31:48 -0500 http://ezinearticles.com/?Group-Disability-Supplemental-Insurance-Plans-For-Income-Protection&id=1491962 http://ezinearticles.com/?Group-Disability-Supplemental-Insurance-Plans-For-Income-Protection&id=1491962 Single working moms are their household's sole source of income. If mom can't work because of an illness or injury, the household suffers and may be forced into financial ruin. Affordable income insurance can be the buffer that sustains the family until mom can go back to work. Tue, 16 Sep 2008 14:04:29 -0500 http://ezinearticles.com/?Young-Mom-Cant-Work-Income-Insurance-Brings-Single-Mothers-Help&id=1485115 http://ezinearticles.com/?Young-Mom-Cant-Work-Income-Insurance-Brings-Single-Mothers-Help&id=1485115 A start-to-finish, clear-cut approach to answering your basic questions about Social Security disability and SSI. From the application to the hearing to getting your first check, tips and advice for anyone at any point in the disability or SSI application process. Mon, 15 Sep 2008 11:50:03 -0500 http://ezinearticles.com/?Social-Security-Disability-Start-to-Finish&id=1483153 http://ezinearticles.com/?Social-Security-Disability-Start-to-Finish&id=1483153 When you think about filing a claim for disability under your employers group long term disability plan, you will get advice from friends, co-workers, human resources and maybe even some lawyers. Some of that advice can sink your claim. Fri, 12 Sep 2008 09:34:22 -0500 http://ezinearticles.com/?Myths-Your-Neighbors,-Friends,-and-Other-Lawyers-Tell-About-Long-Term-Disability-Insurance-Claims&id=1477330 http://ezinearticles.com/?Myths-Your-Neighbors,-Friends,-and-Other-Lawyers-Tell-About-Long-Term-Disability-Insurance-Claims&id=1477330 Three examples of disability applicants who have been approved. What Social Security looked at in their claims, and how they finally succeeded. Thu, 11 Sep 2008 15:19:00 -0500 http://ezinearticles.com/?Social-Security-Disability-Three-Success-Stories&id=1220336 http://ezinearticles.com/?Social-Security-Disability-Three-Success-Stories&id=1220336 Can Your Family Afford to Lose Your Income? Future moms have several options to protect their income from a long-term or short-term pregnancy disability. Thu, 11 Sep 2008 14:56:23 -0500 http://ezinearticles.com/?Pregnancy-Disability-Insurance-Protect-Your-Income-For-a-Truly-Safe-Pregnancy&id=1473596 http://ezinearticles.com/?Pregnancy-Disability-Insurance-Protect-Your-Income-For-a-Truly-Safe-Pregnancy&id=1473596 People buy individual disability insurance to protect their income, but most completely miss the boat because they don't understand what the recovery benefit is in the policy they buy. This article will help people to understand how to truly protect their income in the event of a long term disability. Thu, 11 Sep 2008 09:22:28 -0500 http://ezinearticles.com/?Disability-Insurance-The-Recovery-Benefit&id=1468780 http://ezinearticles.com/?Disability-Insurance-The-Recovery-Benefit&id=1468780 Copyright 2009 EzineArticles.com - All Rights Reserved.