HOW TO BUYA GREATINDIVIDUALDISABILITYINSURANCEPOLICY

If your profession is important to youand you've invested in your education,

protecting your livelihood should bea top priority.

An individual disability insurance policyis a great place to start, but shopping forthe right policy with the best features,

advantages and benefits can be daunting.

Here's what to look for when shoppingfor a comprehensive individual disability

insurance policy.

1. MAKE SURE IT'SNON-CANCLEABLE.

This will prevent theinsurance company fromcancelling your policy andleaving you high and dry.

2. LOOK FORGUARANTEEDRENEWABLE.

This will help ensure yourpremium stays the sameprice year after year, evenwhen you get older.

3. LOOK FOR APOLICY THAT ISOCCUPATION-SPECIFIC.This helps protect youreducation, your professionaldegree, and/or your expertise.

If you become disabled andcan't perform the specificduties of your occupation,

you should qualify fordisability benefits.

4. SELF-REPORT ORMENTAL/NERVOUSLIMITATIONSSHOULD BE CLOSELYEXAMINED,ELIMINATED, ORLONGER THAN24 MONTHS.

5. BUY A POLICYWITH COST-OF-LIVING ADJUSTMENT(COLA).

If you go on claim, you'll getan annual bump to keeppace with inflation.

Contact a top-rated national disabilitylawyer for a free consultation about yourdisability insurance policy, claim or appeal.