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Have a Home Office? What are the Work at Home Rules for Disability Insurance?

Dean A. Schachter

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If you work at home and have a Home Office, the rules regarding the purchase of disability insurance vary by company. This is because in many cases the lines are blurred between where your home is and where your office is, unless you have a separate entrance to the office.

Each company can do any combination of the following and the underwriting guide should be checked carefully:

Reducing your income by 75% when calculating maximum benefits if you work ay home 75% or more

Limiting benefit period and elimination period

Eliminating Own Occupation

Eliminating Residual (Partial) disability

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