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Disability insurance basics and definitions for wage earners
A Miami insurance consultant explains why disability protection is vital, arguing you are the goose and should insure the income you earn. The article outlines policy definitions of disability, non cancellable and guaranteed renewable terms, benefit periods to age 65, elimination periods, and residual disability. It notes typical coverage limits at about 50 percent of pre tax income, differences by occupation, and exclusions such as war.
MENTIONED IN THIS ARTICLE
Arnold Geler
Miami
Massachusetts Mutual Life Insurance Co
del Duckworth
Geler