Long term disability insurance is
an insurance policy that protects your income if you become unable to work for
a long period of time, usually more than a year. It’s rarely offered by the employer as a
benefit, so most people have to look for their own way of getting one for
themselves, a process that can be complicated at times.
So, how exactly can you get a
long term disability insurance? The process usually takes around 6 weeks to
complete and is done in a few steps:
1. Choose an insurance provider that offers
the best quotes.
2. Fill out the paperwork with
basic info on yourself, your job details and income documentation.
3. Sign the authorization form to
allow the insurance provider to receive your health information.
4. Schedule and take the medical
exam (height, weight, pulse, blood pressure and a blood and/or urine sample).
Make them aware of any preexisting health conditions or diseases you might
have.
5. Talk to an insurance
representative and answer their questions about your health, lifestyle, habits
and medical history.
6. Wait for your insurance policy
to be prepared according to the previous information you’ve provided (the more
complex your lifestyle and health, the longer this period is).
7. Buy your long term disability
insurance policy through signing the delivery receipt and authorizing a payment
method to activate it.
With this, your long term
disability insurance policy is active and you’re protected against any
potential loss of income.
Also Visit here for more detail about Long Term Disability Insurance Quote
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