What To Look For In Long Term Disability Insurance? 
The # 1 item in reviewing long term disability insurance is the contractual language of the policy . You do n't want to wait until a claim to discover the interpretation of your policy provisions . Next is the elimination period and the associated `` triggering '' events that are necessary to generate the benefits of the policy . Price is a value proposition . Some policies have embedded value , while others charge for the `` additional '' policy perk . You should shop online with a brokerage company that offers several disability companies and has expertise in morbidity products . 