Disability insurance is something that can often be a gray area for many insurance companies and those covered by a specific insurance policy. The problem many individuals find is that there is no specific legal definition of what it means to be disabled, instead an insurance policy is worded in a specific way to make sure the covered person receives benefits they are covered for and no extra benefits. Disability insurance is something that each and every individual should investigate, however, they should also make sure they read and understand the wording that is included in a specific policy to make sure they are covered in the best way possible.
The wording of what form of work an individual is covered by is something that catches out many individuals looking to claim on their disability insurance policy. This means that a policy stating an individual who is unable to work due to injury or sickness will have to prove they are unable to complete any form of work in order to obtain disability insurance. This is the most common form of disability insurance and can also be the hardest to claim against as the wording requires an individual to be unable to complete any form of work before they can make a claim and receive disability benefits from their insurance company.
A more comprehensive policy and one that generally is more expensive to keep up is worded in a different way and offers a number of different options for claiming disability insurance. The wording of a more comprehensive form of disability insurance policy usually includes the wording that includes the need for the insurance policy to make payments to the covered individual when they are unable to work in their specific field should they suffer sickness or injury. This form of disability insurance is more comprehensive and means that an individual working in a specific field will not be able to work in their current or similar job due to their medical issues. This means that an individual who can no longer work in their current job, but could move to another position can still make a claim against their disability insurance, should they choose to.
Working with an experienced insurance agent, who can make sure the correct form of disability insurance is taken out is the first step in making sure an individual can make the correct decision on the correct disability insurance policy. With no clear legal definition of what is considered a disability, it is important that an individual goes through the wording of their disability insurance with their agent and understands exactly what is defined as a disability in their individual policy. Without a clear understanding of what a disability is the individual may be disappointed in the decision of an insurance company regarding their claim for benefits to be paid in the future. Working with a qualified insurance agent is an important step in making sure a comprehensive policy is available and covers the individual against medical conditions that could be classed as a disability.