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.
Disability Income Insurance: A Primer
This course is good towards earning the following professional designations:
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).