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• WHAT IS HEALTH INSURANCE?
• HOW DO I PICK A HEALTH PLAN?
• CAN I BUY AN INDIVIDUAL POLICY?
• IF I CHANGE JOBS OR BECOME UNEMPLOYED CAN I BRING MY COVERAGE WITH ME?
• WHERE CAN I GET MORE INFORMATION REGARDING HEALTH INSURANCE?
• INDIVIDUAL HEALTH CARE INSURANCE
• GROUP HEALTH INSURANCE
• MANAGED CARE HEALTH INSURANCE
• HOSPITAL HEALTH INSURANCE
• COBRA HEALTH INSURANCE
• WHAT IS MEDICARE HEALTH INSURANCE?
• WHAT IS INDEMNITY HEALTH INSURANCE
• WHAT IS DISABILITY HEALTH INSURANCE?
• LONG TERM CARE INSURANCE
• AFFORDABLE HEALTHCARE FOR ALL
  

Disability health insurance pays an insured person an income when that person is unable to work because of an accident or illness.

Generally, disability health insurance income policies are divided into 2 types:

1. Those that provide benefits for up to two years (short-term)

2. Those that provide benefits for a longer period, usually for at least five years, to age 65, or for a life-time (long-term).

When provided on a group basis, the benefits are usually integrated with benefits from Social Security and other public programs. The entire range of benefits from these sources generally is set at a level that does not exceed 60 percent of earnings.

Individual disability health insurance income policies usually pay a fixed dollar amount of coverage. This amount may be greater for those who are turned down by Social Security. Individual disability income policies take many forms and may be designed to fit the special needs of the individual policy owner.

There are two ways to keep the cost of disability health insurance down:

1. Electing a longer waiting period before benefits begin

If you have enough resources to cover expenses during the first three months of disability, your premiums will be lower than with coverage that starts after 30 days.

2. Electing a shorter benefit period

In this case, benefits are payable to age 65—the age at which you would normally retire—instead of for a lifetime. However, choosing a benefit period of two-to-five years, ending before normal retirement age, could be penny-wise and pound-foolish. You might save money on premiums, but you could be without coverage when you need it most. Disability of long duration poses the greatest financial hardship.

Article by: Insurance Finder

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