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Disability, Part I (Primer)

by AHIP Insurance Education

May 15, 2016

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
  • Corporate trainers responsible for development of sales staff
  • 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
  • Consumers and others in related fields who seek more knowledge of the DI insurance product and market

Enrollment

$195 AHIP Members; $255 Non-members

To enroll in a course, or purchase a text book, please log in, and browse our online catalog. If you are a new user, please register for an account to get started.

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).