What Is The Best Long Term Disability Insurance?

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    David RacichPRO
    Fountain Hills, Arizona
    There are many disability insurance companies worth reviewing. Some of them have niche markets; others are recognized industry standard bearers like Standard of Oregon sold in the brokerage distribution channel. Mass Mutual is another disability company worth noting and is sold in the career distribution channel.  
     
    Answered on June 23, 2013
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  2. 10968 POINTS
    Tim Wilhoit
    Owner, Your Friend 4 Life, Brentwood TN
    The short answer is the best term disability policy is the one in force when you become disabled. There is no one long term disability policy that is better than another. The things to keep in mind when shopping for coverage is to purchase the maximum monthly benefit, most companies go up to 70% of your current income. Be sure to purchase a plan that pays to age 67, since social security age limit has been raised for most of us. Lastly, use an experience independent broker who can shop multiple carriers to find you the best coverage at the best rate for your unique situation.
    Answered on April 27, 2015
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