Title: Own Occupation Disability Insurance | LifeInsure.com
Headings: Own Occupation Disability Insurance
Own Occupation Disability Insurance
Richard Reich
Own-Occupation vs. Any-Occupation: Know Your Disability Coverage
Disability Definitions
Total Disability (own-occupation definition)
Partial Disability
Presumptive Disability
What is Own-Occupation Disability Insurance?
True Own-Occupation Disability Insurance
Modified Own-Occupation Disability Insurance
Transitional Own-Occupation Disability Insurance
Adjustable Hybrid Policies
Own Occupation vs. Any Occupation Disability Insurance
Why Own-Occupation Insurance is Preferred
How to Save on Own-Occupation Disability Insurance
Opt for a Longer Elimination Period
Reduce Your Benefit Period
Eliminate Unneeded Riders
Reduce Your Monthly Benefit
How to File an Own Occupation Disability Insurance Claim
Carefully Review the Original Policy
Contact the Insurance Company Right Away
Keep Track of Medical Paperwork
Document All Interactions with the Insurance Company
Consult a Doctor on a Timeline for Going Back to Work
Get an Instant Own-Occupation Disability Insurance Quote
FAQs
What is an adjustable hybrid policy?
What is classed as a total and permanent disability?
How much disability coverage do I need?
Are there any exclusions for own occupation disability insurance?

Content: Own Occupation Disability Insurance | LifeInsure.com
Own Occupation Disability Insurance
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Richard Reich
In my 25+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs. Follow Me
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Own-Occupation vs. Any-Occupation: Know Your Disability Coverage
Most people would be genuinely surprised to learn that their chances of becoming disabled are about three to five times greater than their chances of dying prior to age 65, yet, U.S. workers are more likely to purchase life insurance than disability insurance. We all insure our cars, our home, our health, and our lives, but too many of us overlook insuring our ability to earn an income. Certainly, we can understand the financial devastation that would likely occur if we were to become disabled and could not work but, surprisingly, most working adults who carry disability insurance do so because they can get it either very cheap or even free through their employer. In this article, we’ll discuss disability insurance and why every working adult should have it. And more specifically, we’ll be talking about own-occupation disability insurance because this type of insurance delivers the best value for the money. Disability Definitions
Certainly, not everyone becomes totally disabled. In fact, because of either illness or injury, most people who become disabled are actually partially disabled rather than totally disabled.