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Disability Income Insurance: Individual: 101

Waiver Of Premium

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Most plans waive any premiums while you are disabled.

If your policy contains a waiver of premium clause and you become disabled, continue to pay the premiums on time. It is advisable to write on the check: “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. It’s not so easy to have a policy reinstated once the company knows it is facing a claim.

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