Am I Eligible for Disability Insurance?

Many people put off pursuing additional insurance coverage because they assume they will automatically get denied. Just thinking about the number of factors considered may give you a headache. Though you may think the chances of your experiencing a disability throughout your career are small, the impact a sudden injury or illness can have on your life is massive.

Like any other type of insurance, it is better to handle Disability Insurance sooner rather than later. Luckily, the process for applying and getting approved for a Priority Income Protection disability insurance policy is quick and easy. Part of the reason the Priority Income Protection application process is so easy is because its eligibility is so open.

Check off these boxes to see if you meet the eligibility requirements for a Priority Income Protection policy (PIP):

  • You are working at least 30 hours per week
  • You are at least 18 years old and are younger than 61 years old
  • You have an annual income of at least $15,000
  • You have been with your current employer for at least six months or are self-employed and have been in business for at least six months
  • You are a United States citizen permanently residing within the United States or its territories or you have a Permanent Resident Visa and have lived continuously in the United States or its territories for at least three years
  • You are not chronically ill, currently disabled, do not have a surgery pending, or are not currently recuperating from an illness or injury
  • You are not in the process of or have previously filed for bankruptcy

Keep in mind, if you are a tobacco-user, you will be issued Tobacco-user rates. Any individual who has used tobacco products within 12 months of completing the application are considered tobacco-users. Tobacco-user rates are 25 percent higher than nontobacco rates; however, if a tobacco-user stops using tobacco products for 12 consecutive months they will then qualify for a rate reduction. These rates are determined by the completion of a questionnaire and urinalysis.

Other things that are taken into consideration include the medications you have used in the past five years (and what you used them for) and your current health condition.

Every occupation and every level of income is considered for maximum monthly benefit amount eligibility. This includes a salary, annual earned income, annual unearned income, overtime income, part-time income, or if you are self-employed. Remember, PIP is only for injury or illness that is not caused or related to your employment.

Save your family from the fear and stress of losing weeks of income from a disability before it’s too late. Call an Avery Hall expert, today, to learn more and complete an application!

Please note: PIP is a Disability Insurance product of Mutual of Omaha. Avery Hall does offer several similar products with other carriers.

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