殘疾保險是否涵蓋死亡？
殘疾保險是否涵蓋死亡？
 Right Peggy!! The "death benefit" inside a disability policy is usually limited to a few months worth of the "Monthly Benefit". So if your benefit is $3,000 a month, then you might get 3, 6, maybe 9 thousand in a death benefit. LOOK AT THE LANGUAGE. Does it pay ONLY AFTER you have met an elimination period or is it an immediate benefit? Disability is a very important plan to own. Yet, I know that buying life insurance, buying disability, buying long term care, buying critical illness, & then buying home, auto, umbrella, & more can be very overwhelming.... You might consider buying a Living benefits &/or Hybrid Life insurance plan... These are life insurance plans that you can use BEFORE you die. I have a massage therapist that owns a plan with a death benefit, a $30,000 critical illness benefit, and has a $1000 a month disability benefit. She pays about $43 month for all of this. PERFECT for single mom with a modest income. YES... standalone Disability has more features and better terms... yet the all in one plan allows her to cover a critical illness, a disability, & early death. Reach out with questions :-) -gravy
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