What To Look For In A Disability Insurance Policy? 
The things to look for in a disability insurance policyare as follows : 1 -RRB- Is it short term -LRB- under 6 months -RRB- or long term -LRB- at least 2 years -RRB- ? 2 -RRB- How long is the elimination period -LRB- how long until you start getting paid benefits -RRB- the most common are 30-60-90-180-360 days ? 3 -RRB- How long is the benefit period -LRB- how long do they benefits pay for -RRB- common benefit periods are 2-5-10-20 years or age 65 or age 67 ? 4 -RRB- What is the rating class of your occupation -LRB- 1A-5A -RRB- the lower the number the higher the premium ? Blue collar versus white collar occupations 5 -RRB- How much does the benefits reduce when you become eligible for Social Security benefits -LRB- there are riders toincrease that reduction -RRB- ? I would highly recommend using an experienced independent broker to find the right coverage at the best price for your unique situation . 5 -RRB- 