Your clients, like many people, are probably unaware of the major financial loss that can result from a long-term disability, or they mistakenly believe that government programs will cover this loss. This online course analyzes the financial risk of disability; it describes Social Security disability insurance, workers’ compensation, and other government programs; and shows you why they do not provide adequate benefits for most as well as explain how disability income (DI) insurance can provide sufficient benefits. Employer-sponsored group DI coverage is briefly described (it is fully covered in the third course of this series), while Individual DI insurance is examined in detail, with a focus on underwriting, contract provisions, and claims administration. To facilitate study and review, short quizzes are included in each section of the course.

What You’ll Learn

• The need for DI insurance
• Risk and cost associated with disability
• Various sources of DI insurance
• Descriptions of individual, government, and employer-sponsored plans
• How DI insurance works
• Underwriting processes, contractual provisions, claims, and taxation
• Information on emerging trends in the DI field
• Relevant terms, case scenarios, and key concepts

Who Should Take This Course

• Agents and brokers who specialize in group and individual DI insurance
• Benefit plan sponsors and staff
• Health underwriters
• Claims analysts
• Financial planners
• Corporate trainers
• Consumers and others in related fields who seek more knowledge of the DI insurance product and market

Enrollment

• $195 AHIP Members
• $255 Non-members

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Publication

Disability Income Insurance: A Primer

• $40 AHIP Members
• $50 Non-members

Earn a Designation

This course is good towards earning the following professional designations:

Disability Income Fellow Designation (DIF)
Disability Income Associate (DIA)
Disability Healthcare Professional (DHP)
Healthcare Customer Service Associate (HCSA)
Health Insurance Associate (HIA®)

Co-Sponsors

This course is co-sponsored by America’s Health Insurance Plans (AHIP), the International DI Society, the National Association of Insurance and Financial Advisors (NAIFA), and the National Association of Health Underwriters (NAHU).