Our Blog

New England Disability and Life | Blog

Is Cosmetic Surgery Covered under a Disability Policy?

Dean A. Schachter

0 of 0 votes

If a total disability results from cosmetic surgery to correct a disfigurement or to improve appearance you will be considered totally disabled due to a sickness, provided the surgery occurs more than 6 months after the policy is issued.

Comments
Surgical Transplant Benefit as part of a Disability Policy

Dean A. Schachter

0 of 0 votes

After the policy is in force for 6 months, if a part of your body is transplanted into another person’s body and as a result you become totally disabled, company will pay benefits as if the disability was due to a sickness. Elimination period is waived.

Comments
Disability Insurance - The Good Health Benefit

Dean A. Schachter

0 of 0 votes

For every consecutive policy year completed without receiving any benefit under the policy, the elimination period is reduced by 2 days. Never less than 30 day elimination period.

Call us at 866-762-9922 to see which companies offer this unique benefit.

Comments
The Survivor Benefit - Part of a Disability Insurance Policy

Dean A. Schachter

0 of 0 votes

Should you die after satisfying the elimination period and while monthly disability benefits are being paid under the policy, some companies will pay an additional three months of Base Monthly Benefit to your designated beneficiary, if any, otherwise to your estate.

Comments
COBRA Premium Benefit Covered by Disability Insurance

Dean A. Schachter

0 of 0 votes

If you become unemployed due to a disability and, as a result, you are paying

COBRA medical coverage premiums, you can be reimbursed for those premiums up to $1,000 a month, beginning with the first premium due after you satisfy the elimination period of your disability policy but not to exceed 18 months.

Reimbursement is also available if continuing your employer-group medical plan under the provisions of a state continuation plan.

Reimbursement will not be more than 100% of the COBRA premium expense incurred monthly.

To find out which company offers this FREE feature in their disability policy, contact us at 1-866-762-9922.

Comments