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Key insurance benefits for the disabled one must know

Key insurance benefits for the disabled one must know

An insurance plan serves as financial aid for those seeking a secure future for themselves against potential risks and losses. Particularly for those living with disabilities, such additional financial support can prove to be immensely useful in dealing with uncertainties and challenges. In the event of uncertainty, insurance plans offer disability coverage options and can provide significant assistance. Individuals with disabilities should be aware of some common insurance benefits they may be entitled to.

What is considered a disability by insurance providers?
Insurance companies consider disability as physical or mental, which may be caused by injury or illness. Insurance providers also consider congenital disabilities, that is, a condition that has occurred at birth. However, to qualify for life insurance, the condition should not directly impact one’s life expectancy. For example, a disability caused by a spinal injury will not affect life insurance rates. However, conditions such as PTSD or anxiety may affect the rates and application approval.
Some common forms of disabilities that insurance providers recognize include the following:

  • Cognitive conditions that impair thinking, communication, and memory.
  • Vision and hearing problems
  • Medical conditions that affect mobility.
  • Mental health issues such as PTSD or post-traumatic stress disorder.

The underwriting processes vary among different life insurance companies. Therefore, it may not always be clear which disabilities may result in denied insurance coverage. However, if an applicant is in good health apart from their disability, most insurance providers will approve the application.

Insurance benefits for the disabled


Insurance plans offered by the federal government
Persons with disabilities can apply for two types of federal insurance: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).

Social Security Disability Insurance or SSDI
In most cases, SSDI is associated with the applicant’s work history. This federal insurance program has been designed to pay out benefits to a disabled person and certain members of their families under specific conditions.

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