Other policies have strict definitions that make it more difficult to qualify for benefits. Policies may be flexible to the point where any loss of income due to injury or illness can qualify for benefits. That’s why insurance carriers write into their contracts a specific definition of disability to determine whether you qualify for benefits. But certain ailments have varying impacts on the ability of different professionals to perform their jobs. The purpose of disability insurance is to replace the income one loses in the event that illness or injury adversely affects their ability to earn a living. Nothing demonstrates that complexity more than the different disability definitions you can choose from. Disability insurance policies can get complicated.
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