Can the company cancel my coverage or change the terms? Will my premiums increase?

Look for coverage that is non-cancellable and guaranteed renewable:  your policy cannot be cancelled,  your plan provisions won’t change, and your rates cannot go up.

Will I be protected in my specialty?

If you work in a specialized occupation, it’s important to find a provider that offers true own-occupation coverage:  You‘ll receive your full disability benefits if you can’t work in your own profession, even if you can work other jobs.  So if you are physically able to pursue another occupation while totally disabled in your own occupation, you’re not prevented from doing so.

Are partial benefits available?

If you’re able to work but not to the extent you could before your disability—for example, because of reduced hours—you’ll still receive partial or residual disability benefits.

Can coverage be tailored to fit my unique needs?

Features like student loan protection and automatic benefit enhancement riders allow you to customize coverage for your current and changing needs.

Just as important as the policy available to you today is the stability of the company behind it so those benefits will be there should you need them in the future.  That’s why we’ve chosen to partner with Ameritas, an LTD industry leader, providing comprehensive base plans with flexible plan options that can help you limit your costs and manage risk.

Should you need to file a claim, you’ll receive personalized guidance from an exceptional claims review team.   Learn more.