Re: OT - Disability insurance?

Posted by bwick on April 11, 2006 at 12:12:59 from (66.199.192.2):

In Reply to: OT - Disability insurance? posted by unioncreek on April 11, 2006 at 12:05:13:

This is typically called "coordination of benefits." It is
designed so that you do not make more disabled than
you would if you were working (wouldn't give many
people much motivation to go back to work). For
example, if you were collecting $1,800 from your ins.
and $1,800 from Social Security, you may be making
more than your regular income. As far as changing it
after you have your policy, you would have to read the
fine print.

I get mine through work, but my wife has a policy
through Mutual of Omaha. I know policies offered
change often, so you have to shop based on the same
criteria.

I feel disability insurance is more important than life
insurance, so make sure you don't drop your current
policy until underwriters approve a new one!

Good Luck

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