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Disability Insurance

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  Disability Insurance And Disability Insurance Quotes


 Disability Insurance For Professionals


Professionals should only consider a disability insurance contract with own-occupation language and seek out the contract that offers the longest own-occ time period available industry wide.

These are only examples of professional classifications

  Executives     Physicians
  Attorneys     Small Business Owners
  Real Estate Professionals     Sales Professionals
  Architects     Accountants

Occupational Definition Classes
define the circumstances in which benefits will be paid considering your occupation; while...

Occupational Rating Classes
define the chances that a disability will occur in a particular occupation. T
he highest occupational rating class equates to the lowest premium rates.

As you can observe below, there are a significant number of carriers available to search out the best occupational definitions, and occupational rating classes for your particular profession.   

Own-Occ Total Disability
means that, due to sickness or injury, you are unable to perform the material and substantial duties of your occupation. Your occupation by contract is the occupation/occupations, you are engaged in at the time of disability.  The contract language states your are considered totally disabled even if you are at work in some other capacity.

We will always strive to seek the carrier with the best possible contractual  provisions for your specialty.  Please feel free to call us at
888.587.8511 to discuss
your questions and/or your concerns. 

Related Topics

Disability Insurance For The Professional
                ●  Professionals   

                Business Disability Products               
  Professional Business Disability Overhead Expense
                  Disability Buy Out  
                  Disability Buy Out Insurance
                  Keyman Disability Insurance  
  Other Professionals
  Employer Groups

Not all insurance products from all insurance companies are available in all states.
Note:  We do not provide legal or tax advice. The general information presented on various tax aspects contained in this site are not intended to be relied upon as tax advice. Individuals should seek the advice of a qualified tax professional regarding the taxation of these benefits as they apply to your particular situation.  These benefits are offered in all states except: AK, HI, & WY. License #'s: CA: OC38446 MT: 29724 F00-0283-LC 

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