Business Disability Insurance | Disability Insurance for Businesses | BDI | Disability Insurance

Receive free disability insurance quotes from the leading disability insurance companies by filling in the form below:

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Have you used nicotine products within the last 12 months?
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Do you have any existing disability insurance income coverage?
If "Yes," benefit amount:		$
Type of disability insurance coverage:
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Replace or Add to existing disability insurance coverage?
Annual Income-salaried or self-employed (from Schedule C):		$
Coverage desired:		$
Benefits to begin:
Pay benefits:
* Inflation protection:
** Future insurability option:

* Inflation Protection

Suppose you are receiving a $6,000 monthly benefit. At 6% inflation, that benefit will be paying only $1,872 worth of bills at the end of 20 years. Therefore, one of the most important aspects of your disability income plan should be the protection it affords against inflation.

Individual policies generally offer a cost of living rider that will adjust benefits for in disability income flation during a long-term claim. Most of these riders tie adjustments to increases in the Consumer Price Index, thought all of them "cap" the maximum increase at some percentage, such as 4% per year.

Some policies put a ceiling on the maximum benefit that can be paid under the cost of living rider. A common ceiling would be to stipulate that once the original benefit has doubled, no more increases in the benefit amount would be made, regardless of the continuing effects of inflation. Some of the best policies, of course, have no such ceiling; benefits will be increased as long as the Consumer Price Index warrants it.

** Future Medical Insurability

As your income increases over the years, due both to career growth and inflation, the amount of coverage you originally purchased may become inadequate. The solution, of course, is to purchase more coverage. But what if your health has deteriorated or other changes in your circumstances make it more difficult or even impossible to obtain additional coverage?

A future increase option is the answer. As long as your increased income qualifies for more coverage under the company's issue limits, the future increase option guarantees your right to purchase additional coverage up to a stated age without evidence of medical insurability. Under a few policies, you can even exercise a future increase option while disabled. The increase in coverage may take effect immediately, subject to the elimination period.


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