How to Qualify for Long Term Disability

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A long-term disability is any medical ailment that puts a person out of a job for a lengthened period of time. Understand the terms of disability insurance to get information on qualifying with advice from a licensed life and health insurance representative in this free video on insurance.

Part of the Video Series: Insurance Information
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Video Transcript

This is John Pinelli, financial representative talking to you today about how to qualify for a long term disability. A long term disability is something that will put you out of your job or any job for a lengthened period of time. Most disability income insurance policies will have an exclusionary period or if you will, a waiting period, whereby you are not covered during your disability. So for example you may have to be disabled for a period of say 91 days or 46 days or 181 days before you are able to obtain that replacement income or that coverage. It's important to know what type of policy you have and what exactly the exclusionary period is and the amount of coverage. So it is very important to understand the terms if you will of your policy. A lengthened disability could potentially put a significant financial strain on you and or your family who is dependent upon your income to survive. So this has been John Pinelli, financial representative talking to you today about long term disability coverage.

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