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Disability Insurance: Individual: Things To Think About When Purchasing

Maximum Benefit Period

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Look for a policy that starts coverage as soon as you may need the income.

As to the length of time you are paid a benefit, purchase a policy which pays to at least age 65 – or for life if at all possible. At a minimum, it is advisable to obtain benefits for at least five years. The premium difference between a five year benefit and age 65 is rarely very much.

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