Glossary of Disability Insurance Terms

Accident An event that is unforeseen, unexpected and unintended. Accident Bodily Injury Physical injury sustained as the result of an accident. Accident Disability Either a total or partial disability resulting from an accidental injury. Accidental Death & Dismemberment (AD&D) Benefit An optional benefit that provides a fixed lump sum for accidental death or for certain specified actual loss or[…]

2 Ways Falling in Love Changes Your Insurance Needs

Falling in love changes everything in your life, including insurance needs. That is especially true for couples who eventually marry. Once two hearts become one, insurance can help smooth out the bumps that inevitably arise in a couple’s life together. For example, coverage can help protect the couple’s most valuable asset, the ability to earn[…]

Long-term Disability Insurance or Long Term Care Insurance: Which is Best for You?

It’s easy to confuse long-term disability insurance with long-term care insurance. But who can blame you? These types of insurance sound much like synonyms or the work of a practical joker with a PhD in linguistics. Nonetheless, these two insurance plans serve very different purposes in helping you manage financial risks. Long-term Disability Insurance  Long-term[…]