An illness or accident will keep how many workers out of work for at least a year before the age of 65?
100
Choice of 30, 60, 90, or 120 days
Once you become disabled how soon will benefits start?
100
Results from loss of sight, loss of speech, loss of hearing, loss of two or more limbs.
What is presumptive disability?
200
1 in 3
What is your chance of missing at least 90 days of work due to a disability?
200
Elimination period
What is the time from disability to payment?
200
Same as partial disability, must suffer at least 20% loss in income, may or may not be covered under a policy
What is residual disability?
300
A major portion of your income if you ever become so sick or injured that you cannot do your job for a prolonged period of time.
What does disability insurance allow you to replace?
300
Most people retire at 65, no longer dependent on working income.
How long will disability payments continue?
300
Type of policy selected (short-term disability insurance or long-term disability insurance).
Type of disability covered- accident only or accident and sickness policy.
How would you choose a disability insurance policy tailored to you?
400
Less than the risk of disability
The risk of premature death is less than the risk of a disability.