Feliciano Insurance Tyler Texas

Individual / Family Insurance

Group Insurance

Special Health Insurance

Disability Insurance Features

Disability Insurance Features

The period of time from the date of your disability to the day when the insurance company commences its obligation. The longer the waiting period, the lower the premium. With good cash reserves one can afford a longer waiting period and save premium.

The period of time for which the insurance company is obligated to pay benefits. The longer this period, the greater is the company’s obligation and the greater will be the premium.

Some policies treat accidents differently from illness. It is generally better to buy adequate coverage and if necessary compromise on the benefit period or waiting period.


The maximum percent of present income one can insure is normally 60%. Insurance companies do not want an insured to “profit” from being ill, since it would discourage recuperation.

A ceiling of income benefits are paid by the insurance company - reduced or offset by “primary” social security or worker’s compensation if such benefits are ever, in fact, received. Family social security benefits plus inflationary increases does not reduce the insurer’s obligation.

Once the disability claim has been established, premiums are waived until the insured has recovered.

Disability Insurance Information Resources

Online Quote

Free Online Health Insurance Quote
Online Life Insurance Quote
Online Long Term Care Insurance Quote
Online Disability Insurance Quote
Online Dental Insurance Quote

We are always available to talk to you about your insurance needs.

Contact Us Today!

Insurance Companies
About Us | Buy Insurance | Success Stories | Q & A | Glossary | Resources | Contact Us | Home