Disability insurance provides income coverage in the event that client becomes disabled. As with any type of insurance, careful analysis of the benefits and costs is essential in order to make informed decisions among the various types of policies available.
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Disability insurance provides income coverage in the event that client becomes disabled. As with any type of insurance, careful analysis of the benefits and costs is essential in order to make informed decisions among the various types of policies available. Some of the things to consider include waiting and elimination periods, benefit periods, and cost-of-living adjustments. Defining what qualifies as a disability can also determine whether a client will be able to collect on this coverage. Additionally, this insurance can be used to fund buy-sell disability agreements for business owners.