What To Look For In Long Term Disability Insurance? 
One of the main features to look for in long term disability insurance is the `` own occupation '' clause . That will keep you from having to take any job , rather than being able to keep receiving disability coverage until you are able to go back to your own occupation . Getting a policy that allows you to get more coverage without evidence of insurability in the future , as your income grows , is also a good feature to consider . 