Disability

Becoming disabled through an injury or sickness can mean a significant loss of income. Disability insurance is a form of health insurance that provides a person who becomes disabled with income to cover living expenses that continue in spite of the disability.

Q. What is a disability income policy?
A. Disability insurance (DI), sometimes referred to as income protection, is exactly that. Protecting your ability to earn a living. If you become sick or hurt and unable to work, you’ll receive payments from Illinois Mutual, based on your particular policy. This check will help you continue paying living expenses such as rent, mortgage, car payment, food, insurance, utilities, medical expenses and more.

Q. What is an Elimination Period?
A. The elimination period, sometimes called a waiting period, is the number of days that must go by after you become totally disabled before any benefits are payable under the policy. Check your Policy Schedule for the elimination period of your policy.

Q. What is a Benefit Amount?
A. The benefit amount is the monthly amount you will receive if you are totally disabled. Check your policy schedule for the benefit amount of your policy.

Q. What is a Benefit Period?
A. This is the length of time we will pay monthly benefits during total disability, as stated on your Policy

To find out more information, fill out our no obligation disability quote form, and one of our friendly agents will contact you.