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Why You Need Disability Insurance

Aug 18, 2007
Most people do not feel comfortable when thinking about the possibility of becoming disabled. However, the probability of this is larger than you might expect. Recent studies show that for young workers - over twenty to thirty years- the risk of disability is three out of every ten people. Disability insurance usually pays benefits to people that can not work because of a medical condition that takes more than a year to recover from. In general to receive benefits from a policy the policyholder must fulfill several requirements.

Health professionals will search the 's personal medical history and they will consider every aspect of it, and they will use medical evidence to determine the patient's current condition, when this condition started, and the ways in which this condition affects the person's regular activities. They will also analyze the data shown in the physical exams and the current treatments. They will also want to know about the daily activities of the policyholder such as: walking, sitting, lifting and carrying objects.

The five topics kept in mind for insurance companies at the moment of deciding if a person is a candidate for receiving the benefits are: the actual working situation - if the person is working at the moment and if the earnings are the same as the ones previously received; the severity of the medical condition - this requires the patient to be affected for more than a year regarding working activities; the existence of the condition in their internal lists - if the condition is not previously listed it is more difficult to be considered disabled, the possibility of continuing with the same job - if the person can do the same job he will be automatically be considered as non disabled, and finally the possibility of doing any other kind of job - considering jobs different than the ones related to the candidates actual training.

Many people depend on a salary to live, and in most cases the whole family also depends on that single salary. Disability insurance helps people to cover those financial responsibilities in case of having a permanent disease or injury that makes it impossible to keep on working.

As previously stated, the chances for disability are higher than expected, and in this context an insurance policy is very desirable. Nowadays insurance companies offer many benefits and several different options for this matter, making it possible for every individual to get a custom made policy, which matches their expectations and their capacity of pay.
About the Author
Tristan Andrews is a freelance author who writes articles about Pennsylvania Disability Insurance and other Insurance topics for http://www.insurance-pennsylvania.com.
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