Individual disability insurance is truly a basic concept. It is an insurance product designed to replace up to 75% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation.

The goal of this site is to provide you with a resource to make an educated decision on your own. I will provide you with information regarding the major features of a disability insurance policy so that you may better understand how to read a disability insurance plan. I will also provide you with links to some third party articles, and links to the best disability insurance sites I have found on the internet to obtain quotes.

Every disability insurance policy from every insurance company is very different, the odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract.