殘疾保險的覆蓋面是什麼？
殘疾保險的覆蓋面是什麼？
 Some other characteristics include the following: 1. Occupational class: A category the insured falls into based on their job title and specif duties. The occ class dictates the premium. 2. Rating: This comes when an underwriter approves an application, but with a higher than normal premium because the insured is a higher risk (typically due to their health history, smoking history, weight, etc.). The rating can be anything from 15 to 100% more in premium, though it can often times be reconsidered after a few years if the client loses and keeps off weight, stops smoking, etc. 3. Cost of living rider (COLA): This optional benefit increases the disability benefit by a certain percentage, typically determined by the latest Consumer Price Index.
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