Content Overview
- Summary
- Eligibility
- Probation Period
- Pre-Existing Condition Provisions
- Total Disability Definition
- Elimination Period
- Offsets
- Benefit
- Survivor Benefit
- Partial Disability Or Residual Benefit
- Recurring Disabilities Provision
- Maximum Benefit Period
- Mental And Nervous Limitation
- Other Exclusions And Limitations
- Rehabilitative Training Or Employment
- Waiver Of Premium
- Conversion Privilege
- Insurance Company Financial Situation
- Income Taxability Of Disability Insurance Benefits
Disability Insurance: Long Term: Group
Waiver Of Premium
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Most plans have a provision that waives any premiums while you are disabled.
If your policy contains a waiver of premium clause and you become disabled, and if you pay any part of the premium, confirm that the premium is paid (or pay it yourself) until you receive confirmation from the company in writing that the waiver is in effect.
If you write a check, write on it: “Contested premium, Should be on waiver.” Keep doing this until the insurance company confirms the waiver in writing.
You can always get a refund for premiums you didn’t have to pay.
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