Disability Insurance: Things You Need To Know

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Some policies pay benefits if you are unable to perform the duties of any occupation for which you are reasonably qualified by training, experience, and education. Other policies pay benefits if you are unable to perform the major duties of your own occupation. Many policies combine these features, providing "own occupation" coverage for an initial period, such as one or two years, and "any occupation" coverage after that. Some policies also pay benefits if you become ill or injured and are unable to earn a specified amount, such as 80 percent or less, of your income.

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Sunday, July 20, 2008

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