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How To Apply For A Disability Waiver of Premium Under A Life Insurance Policy

Step 2. Review the details of the waiver of premium provision.

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Pay careful attention to any time deadlines indicated for applying for the waiver.

Carefully read any language in the policy or certificate that defines "disability" for the purposes of the waiver to determine whether you qualify.

If you aren't sure whether you qualify, speak with a lawyer, your union, or a local disease specific not-for-profit organization.

As a general matter, you likely qualify for a waiver of premium if:

  • You are approved by your employer to qualify for long term disability, or
  • You are determined by Social Security to qualify for Social Security Disability Insurance or Supplemental Security Income due to your health condition.

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