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Insurance Planning

What Issues Should I Consider When Purchasing Disability Insurance?

Updated 12/1/2023

For your working clients, disability insurance is critical to protecting their income should they suffer an illness or injury that prevents them from continuing to work. Replacement income can provide peace of mind for clients facing the stress and uncertainties that often accompany a disability. Despite the importance of maintaining financial stability, many clients lack adequate coverage to defend against the risk of disability.

Employer-provided and individual coverage options should be coordinated with Social Security in order to ensure that short-term and long-term disability risks are mitigated. To help you guide your clients through the complexities of this important topic, we created this checklist. It covers key considerations, including:

  • Short-term and long-term needs
  • Federal benefits
  • Group and individual coverage options
  • Important features and variables
  • Tax implications
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What Issues Should I Consider When Reviewing My Health And Life Insurance Policies?
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What Issues Should I Consider When Purchasing A Life Insurance Policy?
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What Issues Should I Consider When Reviewing My Existing Life Insurance Policy?
Category: Insurance Planning

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— Jonathan, an advisor in Colorado
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— Andy, an advisor in Florida
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