Please enter your occupation Please describe your duties in a few sentences, including a brief description of your employer . The length of time you must be disabled before you start to receive benefits . The maximum length of time you will receive benefits after you have been classified as being disabled and satisfied the elimination period. Until age 65 I want to receive my benefits in addition to social security . Integrated benefits means that for every dollar of social security disability benefits you receive the insurer reduces the amount of benefits they pay you by one dollar.
Integrated benefits are less expensive.
Non-cancellable means rates can not increase beyond what is stated in the contract. Residual disability means that you would receive a prorated disability benefit if after a period of disability you were unable to go back to work full-time or you experienced a decrease in the amount of income you were able to earn after the disability.