Client Experiences with Our Disability Insurance

Most working adults can apply, but eligibility depends on your occupation, health status, and insurance provider criteria.

Pre-existing conditions or certain job types may affect approval or coverage terms.

Short-term plans cover temporary disabilities lasting a few months, while long-term plans provide benefits for extended or permanent disabilities.

Policies vary in coverage amount, waiting periods, and benefit duration to fit different financial needs.

Notify your insurer promptly with medical documentation and proof of income loss to start the claim process.

Claims are reviewed based on policy terms, and timely communication helps avoid delays.

It replaces a portion of your income, helping cover living expenses, medical bills, and rehabilitation costs during your recovery.

Some plans also offer additional support like vocational training or partial disability benefits.

Yes, policies can be tailored with options like benefit amount, waiting period, and coverage length to match your financial situation.

Consulting with an advisor ensures your plan aligns with your income and lifestyle needs.

Benefit payments typically begin after the waiting period specified in your policy, which can range from days to months.

Prompt submission of required documents can speed up the approval and payment process.