Does Disability Insurance Cover Dementia?

1. 

   11 POINTS

   view profile
   Steve Bartholomew

   General Manager, Wisconsin DI Center, Mequon, WI

   The answer, generally, is "yes", private or employer provided disability insurance covers a dementia situation. Of course, the insured person must have coverage inforce at the time of claim, and must satisfy the definition of disability that is in the policy you own. Unless there is a specific exclusion for this condition, then it should be covered. One last item to note, some "disability insurance" policies may cover accidents or injuries only, and will not cover an illness (which dementia is usually classified). Best to call your agent or broker for more clarity on this.

   Answered on August 25, 2014

   flag this answer
2. 

   10968 POINTS

   view profile
   Tim Wilhoit

   Owner, Your Friend 4 Life, Brentwood TN

   A diagnosis of Dementia should be covered as an illness under a short or long term disability plan if it was in force prior to dianosis. The elimination period would not begin until the dementia was deemed by a physician to be to the point that your normal duties of your job could no longer be performed. Typically dementia progresses slowly in younger adults still working. Most disability policies end around age 65 or 67 years old when this disease is more likely to progress.

   Answered on August 25, 2014

   flag this answer
Did you find these answers helpful?
Yes
No
Go!

Add Your Answer To This Question

You must be logged in to add your answer.