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gAAnHh"><div class="DropDown__DropDownContainer-sc-14dp86x-0 gTbKnp"><input placeholder="Search articles" class="DropDown__DropDownSearch-sc-14dp86x-5 dKrFID"/><span class="Search__SearchIconContainer-sc-dcvmlt-0 wRRrc"><svg xmlns="http://www.w3.org/2000/svg" fill="none" fill-rule="evenodd" clip-rule="evenodd" viewBox="0 0 19 20"><path d="M12.572 13.106l-.016.016-.016.016a6 6 0 11.032-.032zm2.062.68A8.002 8.002 0 002.657 3.221 8 8 0 0013.22 15.2l4.286 4.286 1.414-1.414-4.286-4.286z"></path></svg></span></div></div></div></nav><div itemscope="" itemType="http://schema.org/BlogPosting"><meta itemscope="" itemProp="mainEntityOfPage" itemType="https://schema.org/WebPage" itemID="https://.trustpilot.com/blog/buy-with-confidence/disability-insurance"/><div class="Spacing-sc-11pk266-0 gQkMvi"><a class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 SingleResourceView__TopPillarLink-sc-w8e2aw-0 hRKPDT jDOCWC" href="/blog/buy-with-confidence">Buy With Confidence</a><h1 itemProp="name headline" class="Headers__Heading-sc-1erae96-0 Headers__H1-sc-1erae96-2 SingleResourceView__Title-sc-w8e2aw-1 gKXYKr hfVHek hrcOuu">Disability insurance: Short-term, long-term, and everything in between</h1><div itemProp="dateCreated datePublished" class="SingleResourceView__PublishedDate-sc-w8e2aw-2 lnMZRc">Wednesday, May 15, 2024</div></div><meta itemProp="image" content="https://images.ctfassets.net/b7g9mrbfayuu/7J9wCqt5yyQHNO8EBW9GUI/f54d19bb246815618ffcd70d8c2fe88d/Disability_insurance.jpg"/><div class="SingleResourceView__ArticleContent-sc-w8e2aw-4 fmQqAW"><div class="Spacing-sc-11pk266-0 kTQFfb"><div class="Spacing-sc-11pk266-0 ResourceImage__Wrapper-sc-uyzb89-1 hmxrfE OcFqL"><div class="react-aspect-ratio-placeholder" style="max-width:640px;width:100%;--aspect-ratio:(1.4988290398126465)"><img alt="Disability insurance: Short-term, long-term, and everything in between" title="Disability insurance: Short-term, long-term, and everything in between" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="50vw" srcSet="https://images.ctfassets.net/b7g9mrbfayuu/7J9wCqt5yyQHNO8EBW9GUI/f54d19bb246815618ffcd70d8c2fe88d/Disability_insurance.jpg?q=80&w=384&fm=webp 384w, https://images.ctfassets.net/b7g9mrbfayuu/7J9wCqt5yyQHNO8EBW9GUI/f54d19bb246815618ffcd70d8c2fe88d/Disability_insurance.jpg?q=80&w=640&fm=webp 640w, https://images.ctfassets.net/b7g9mrbfayuu/7J9wCqt5yyQHNO8EBW9GUI/f54d19bb246815618ffcd70d8c2fe88d/Disability_insurance.jpg?q=80&w=750&fm=webp 750w, https://images.ctfassets.net/b7g9mrbfayuu/7J9wCqt5yyQHNO8EBW9GUI/f54d19bb246815618ffcd70d8c2fe88d/Disability_insurance.jpg?q=80&w=828&fm=webp 828w, https://images.ctfassets.net/b7g9mrbfayuu/7J9wCqt5yyQHNO8EBW9GUI/f54d19bb246815618ffcd70d8c2fe88d/Disability_insurance.jpg?q=80&w=1080&fm=webp 1080w, https://images.ctfassets.net/b7g9mrbfayuu/7J9wCqt5yyQHNO8EBW9GUI/f54d19bb246815618ffcd70d8c2fe88d/Disability_insurance.jpg?q=80&w=1200&fm=webp 1200w, https://images.ctfassets.net/b7g9mrbfayuu/7J9wCqt5yyQHNO8EBW9GUI/f54d19bb246815618ffcd70d8c2fe88d/Disability_insurance.jpg?q=80&w=1920&fm=webp 1920w, https://images.ctfassets.net/b7g9mrbfayuu/7J9wCqt5yyQHNO8EBW9GUI/f54d19bb246815618ffcd70d8c2fe88d/Disability_insurance.jpg?q=80&w=2048&fm=webp 2048w, https://images.ctfassets.net/b7g9mrbfayuu/7J9wCqt5yyQHNO8EBW9GUI/f54d19bb246815618ffcd70d8c2fe88d/Disability_insurance.jpg?q=80&w=3840&fm=webp 3840w" src="https://images.ctfassets.net/b7g9mrbfayuu/7J9wCqt5yyQHNO8EBW9GUI/f54d19bb246815618ffcd70d8c2fe88d/Disability_insurance.jpg?q=80&w=3840&fm=webp"/></div></div><div class="RichText__RichtextWrapper-sc-lgc1a-5 cKNMGu"><div class="Headers__HeaderSpacing-sc-1erae96-8 dnYTbE"><h1 class="Headers__Heading-sc-1erae96-0 Headers__H1-sc-1erae96-2 evCvBb hfVHek">What is disability insurance? </h1></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><a target="_blank" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.trustpilot.com/blog/buy-with-confidence/5-types-of-insurance-to-keep-you-and-your-assets-safe"><u>Insurance</u></a> is an important part of covering you and your family in case of the unexpected. Have you ever considered what would happen if you became disabled and were unable to work? It’s a stressful situation to consider, but not an uncommon one. In fact, a quarter of 20-year-olds will become disabled for more than a year before retirement, according to the Social Security Administration. </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">In some cases, if you are unable to do any type of meaningful work, you might be able to collect Social Security Disability Insurance (SSDI) from the federal government. But these payments would not fully replace your lost income, and not every disabled person qualifies for SSDI. </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">This is why some people purchase private <a target="_blank" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.trustpilot.com/categories/disability_insurance_company"><u>disability insurance</u></a> coverage. Disability insurance replaces part of a worker’s income if they’re unable to work due to an injury or illness. Here’s why this customer purchased a policy through <a target="_blank" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.trustpilot.com/review/meetbreeze.com">Breeze</a>: </p><div class="RichText__ResourceSpacing-sc-lgc1a-3 gZKLQA"><div class="RichText__ResponsiveImageWrapper-sc-lgc1a-0 ceqyKR"><a target="_self" href="https://www.trustpilot.com/reviews/662e6e117f6967d3d37664a7"><a class="ResourceImage__StyledA-sc-uyzb89-2 fTnFTb"><div class="react-aspect-ratio-placeholder" style="max-width:1212px;width:100%;--aspect-ratio:(2.578723404255319)"><img alt="Review of Breeze" title="" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="50vw" srcSet="https://images.ctfassets.net/b7g9mrbfayuu/7jMrTipkrnxrDeuUyB0Ehp/9dd43aa5c4f199fb5a0da0eaae7cb421/Review_of_Breeze.png?q=80&w=384&fm=webp 384w, https://images.ctfassets.net/b7g9mrbfayuu/7jMrTipkrnxrDeuUyB0Ehp/9dd43aa5c4f199fb5a0da0eaae7cb421/Review_of_Breeze.png?q=80&w=640&fm=webp 640w, https://images.ctfassets.net/b7g9mrbfayuu/7jMrTipkrnxrDeuUyB0Ehp/9dd43aa5c4f199fb5a0da0eaae7cb421/Review_of_Breeze.png?q=80&w=750&fm=webp 750w, https://images.ctfassets.net/b7g9mrbfayuu/7jMrTipkrnxrDeuUyB0Ehp/9dd43aa5c4f199fb5a0da0eaae7cb421/Review_of_Breeze.png?q=80&w=828&fm=webp 828w, https://images.ctfassets.net/b7g9mrbfayuu/7jMrTipkrnxrDeuUyB0Ehp/9dd43aa5c4f199fb5a0da0eaae7cb421/Review_of_Breeze.png?q=80&w=1080&fm=webp 1080w, https://images.ctfassets.net/b7g9mrbfayuu/7jMrTipkrnxrDeuUyB0Ehp/9dd43aa5c4f199fb5a0da0eaae7cb421/Review_of_Breeze.png?q=80&w=1200&fm=webp 1200w, https://images.ctfassets.net/b7g9mrbfayuu/7jMrTipkrnxrDeuUyB0Ehp/9dd43aa5c4f199fb5a0da0eaae7cb421/Review_of_Breeze.png?q=80&w=1920&fm=webp 1920w, https://images.ctfassets.net/b7g9mrbfayuu/7jMrTipkrnxrDeuUyB0Ehp/9dd43aa5c4f199fb5a0da0eaae7cb421/Review_of_Breeze.png?q=80&w=2048&fm=webp 2048w, https://images.ctfassets.net/b7g9mrbfayuu/7jMrTipkrnxrDeuUyB0Ehp/9dd43aa5c4f199fb5a0da0eaae7cb421/Review_of_Breeze.png?q=80&w=3840&fm=webp 3840w" src="https://images.ctfassets.net/b7g9mrbfayuu/7jMrTipkrnxrDeuUyB0Ehp/9dd43aa5c4f199fb5a0da0eaae7cb421/Review_of_Breeze.png?q=80&w=3840&fm=webp"/></div></a></a></div></div><div class="Headers__HeaderSpacing-sc-1erae96-8 dWpZNL"><h2 class="Headers__Heading-sc-1erae96-0 Headers__H2-sc-1erae96-3 evCvBb iDyBte">Understanding types of disability insurance</h2></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Disability insurance policies come in two main flavors: short-term and long-term. They both provide income if you’re unable to work but for different time frames. Many employers offer short- and long-term disability insurance as an HR benefit. If you don’t have employer-provided disability insurance, you may be able to purchase it on your own. If you are purchasing independently, Trustpilot reviews can help you understand the experiences of other customers with these different types of policies.</p><div class="Headers__HeaderSpacing-sc-1erae96-8 hqeHFg"><h3 class="Headers__Heading-sc-1erae96-0 Headers__H3-sc-1erae96-4 evCvBb ikIQBu">Short-term disability insurance: Quick coverage when you need it most</h3></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Under a short-term disability policy, you’d typically collect 40%–70% of your normal salary for six weeks up to a year for situations like pregnancy, accidents, injuries, or illnesses. It typically would not cover an injury sustained while on the job, because on-the-job injuries would fall under workers’ compensation. </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Most short-term disability policies offer “own occupation” coverage, meaning you’d be covered if you’re unable to perform the tasks of your job. Under “own occupation” coverage, you may find another job and still receive full benefit payments. Short-term disability insurance with this coverage is preferable to insurance that requires you to be completely disabled from all forms of work. </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Disability insurance policies also come with an elimination period. This is the amount of time you must wait before insurance benefits start. A 14-day elimination period is common, but it could be as long as 30 days. </p><div class="Headers__HeaderSpacing-sc-1erae96-8 hqeHFg"><h3 class="Headers__Heading-sc-1erae96-0 Headers__H3-sc-1erae96-4 evCvBb ikIQBu">Long-term disability insurance: Ensuring long-term security</h3></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Long-term disability insurance covers 10%–60% of your income if you’re unable to work for an extended period of time due to a disability. Before you can collect long-term disability benefits, you must use up all the sick leave from your job and be disabled for a minimum amount of time, typically six months. You can use employer sick leave during the elimination period. </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Long-term disability insurance policies may define work as “own occupation” or “any occupation.” Many “own occupation” policies transition to “any occupation” after paying benefits for two years. </p><div class="Headers__HeaderSpacing-sc-1erae96-8 dWpZNL"><h2 class="Headers__Heading-sc-1erae96-0 Headers__H2-sc-1erae96-3 evCvBb iDyBte">Social Security Disability Insurance (SSDI) explained</h2></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">SSDI is a government program for people who are unable to work for at least a year due to a disabling condition. It has a five-month waiting period and can require significant documentation to provide your disability. </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">To qualify for SSDI, the disabled person must have held a job that paid into Social Security. Many local, state, or federal government jobs do not pay into Social Security, so those workers would not qualify. </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">SSDI benefit checks may also be smaller than what you’d get from a private disability policy. The average monthly SSDI benefit was just over <a target="_blank" rel="noopener nofollow" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.ssa.gov/disabilityfacts/facts.html"><u>$1,200 in 2019</u></a>, and if that was someone’s sole source of income, they would barely reach the federal poverty line. </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Due to the stress and complexity of disability claims, some people use a company like <a target="_blank" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.trustpilot.com/review/allsup.com">Allsup</a> to advocate for them: </p><div class="RichText__ResourceSpacing-sc-lgc1a-3 gZKLQA"><div class="RichText__ResponsiveImageWrapper-sc-lgc1a-0 ceqyKR"><a target="_self" href="https://www.trustpilot.com/reviews/663d4c1364636e9828573d51"><a class="ResourceImage__StyledA-sc-uyzb89-2 fTnFTb"><div class="react-aspect-ratio-placeholder" style="max-width:1194px;width:100%;--aspect-ratio:(2.5732758620689653)"><img alt="Review of Allsup, LLC" title="Review of Allsup, LLC" loading="lazy" decoding="async" data-nimg="fill" style="position:absolute;height:100%;width:100%;left:0;top:0;right:0;bottom:0;color:transparent" sizes="50vw" srcSet="https://images.ctfassets.net/b7g9mrbfayuu/5XmNjlTyMQNb0bwyr4GF7A/19c5c6ae1ff3942582200aad9cac5d18/Review_of_Allsup__LLC.png?q=80&w=384&fm=webp 384w, https://images.ctfassets.net/b7g9mrbfayuu/5XmNjlTyMQNb0bwyr4GF7A/19c5c6ae1ff3942582200aad9cac5d18/Review_of_Allsup__LLC.png?q=80&w=640&fm=webp 640w, https://images.ctfassets.net/b7g9mrbfayuu/5XmNjlTyMQNb0bwyr4GF7A/19c5c6ae1ff3942582200aad9cac5d18/Review_of_Allsup__LLC.png?q=80&w=750&fm=webp 750w, https://images.ctfassets.net/b7g9mrbfayuu/5XmNjlTyMQNb0bwyr4GF7A/19c5c6ae1ff3942582200aad9cac5d18/Review_of_Allsup__LLC.png?q=80&w=828&fm=webp 828w, https://images.ctfassets.net/b7g9mrbfayuu/5XmNjlTyMQNb0bwyr4GF7A/19c5c6ae1ff3942582200aad9cac5d18/Review_of_Allsup__LLC.png?q=80&w=1080&fm=webp 1080w, https://images.ctfassets.net/b7g9mrbfayuu/5XmNjlTyMQNb0bwyr4GF7A/19c5c6ae1ff3942582200aad9cac5d18/Review_of_Allsup__LLC.png?q=80&w=1200&fm=webp 1200w, https://images.ctfassets.net/b7g9mrbfayuu/5XmNjlTyMQNb0bwyr4GF7A/19c5c6ae1ff3942582200aad9cac5d18/Review_of_Allsup__LLC.png?q=80&w=1920&fm=webp 1920w, https://images.ctfassets.net/b7g9mrbfayuu/5XmNjlTyMQNb0bwyr4GF7A/19c5c6ae1ff3942582200aad9cac5d18/Review_of_Allsup__LLC.png?q=80&w=2048&fm=webp 2048w, https://images.ctfassets.net/b7g9mrbfayuu/5XmNjlTyMQNb0bwyr4GF7A/19c5c6ae1ff3942582200aad9cac5d18/Review_of_Allsup__LLC.png?q=80&w=3840&fm=webp 3840w" src="https://images.ctfassets.net/b7g9mrbfayuu/5XmNjlTyMQNb0bwyr4GF7A/19c5c6ae1ff3942582200aad9cac5d18/Review_of_Allsup__LLC.png?q=80&w=3840&fm=webp"/></div></a></a></div></div><div class="Headers__HeaderSpacing-sc-1erae96-8 dWpZNL"><h2 class="Headers__Heading-sc-1erae96-0 Headers__H2-sc-1erae96-3 evCvBb iDyBte">Choosing the right disability insurance for your needs</h2></div><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">Here’s a look at factors to consider when selecting disability insurance: </p><ul style="list-style-type:disc"><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Employer options: </b>If you have disability insurance through work, but you’re considering switching jobs, your policy may not move with you. That’s one reason to consider purchasing a private policy. </p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Elimination period: </b>How long can you afford to wait before collecting disability benefits? A larger emergency fund may mean you can stay afloat during a longer elimination period. </p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Own occupation vs. any occupation: </b>An “own occupation” policy may be more expensive compared to an “any occupation” policy, but it won’t be as strict at paying insurance benefits. </p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Premiums:</b> Your age and overall health, the percentage of income replaced, the waiting period, and the length of time covered will affect the cost of your policy. To ensure that you can keep up with premiums, you’ll wait to weigh factors you can choose (like waiting period or level of income protection) against how much you can afford in premiums. </p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Cost-of-living increases: </b>The disability benefit that seems generous today likely won’t have as much buying power in 10 years due to inflation. Many policies do not have a cost-of-living rider, but it’s something to consider if you’re concerned about inflation. </p></li><li><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><b>Renewability:</b> Ideally, your disability insurance policy would be non-cancelable with a guaranteed renewal, so that your premiums can’t spike beyond what you can afford. </p></li></ul><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">If you don’t have both types of disability coverage provided through work, then you may want to consider short-term and long-term policies to cover your bases. Do you have other insurance to cover your family in case of <a target="_blank" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.trustpilot.com/blog/buy-with-confidence/life-insurance-policies"><u>emergency</u></a>? </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE">The right disability insurance policies can ensure that you have an income even when you can’t work due to a temporary or long-term disability. Consult a disability insurance expert to discuss your specific needs. <a target="_blank" class="Links__StyledLink-sc-hi52k0-0 hQQgRH Links__Link-sc-hi52k0-1 hRKPDT" href="https://www.trustpilot.com/categories/disability_insurance_company"><u>Reading Trustpilot reviews</u></a> can help you select a provider you can trust. </p><p class="RichText__Paragraph-sc-lgc1a-2 dggytE"><i>Trustpilot is a review platform that is open to all. The companies and profile pages referenced in this article are provided for informational purposes only and are not recommended, endorsed by, or representative of the views of Trustpilot. 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","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/5-types-of-insurance-to-keep-you-and-your-assets-safe"},"content":[{"nodeType":"text","value":"Insurance","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" is an important part of covering you and your family in case of the unexpected. Have you ever considered what would happen if you became disabled and were unable to work? It’s a stressful situation to consider, but not an uncommon one. In fact, a quarter of 20-year-olds will become disabled for more than a year before retirement, according to the Social Security Administration. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"In some cases, if you are unable to do any type of meaningful work, you might be able to collect Social Security Disability Insurance (SSDI) from the federal government. But these payments would not fully replace your lost income, and not every disabled person qualifies for SSDI. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This is why some people purchase private ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/disability_insurance_company"},"content":[{"nodeType":"text","value":"disability insurance","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" coverage. Disability insurance replaces part of a worker’s income if they’re unable to work due to an injury or illness. Here’s why this customer purchased a policy through ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/meetbreeze.com"},"content":[{"nodeType":"text","value":"Breeze","marks":[],"data":{}}]},{"nodeType":"text","value":": ","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"21w8ZwsQ1WcsvZps986JGK","type":"Entry","createdAt":"2024-05-15T14:56:53.009Z","updatedAt":"2024-05-15T14:56:53.009Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"fields":{"title":"Review of Breeze","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"7jMrTipkrnxrDeuUyB0Ehp","type":"Asset","createdAt":"2024-05-15T14:56:45.750Z","updatedAt":"2024-05-15T14:56:45.750Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"locale":"en-US"},"fields":{"title":"Review of Breeze","description":"","file":{"url":"//images.ctfassets.net/b7g9mrbfayuu/7jMrTipkrnxrDeuUyB0Ehp/9dd43aa5c4f199fb5a0da0eaae7cb421/Review_of_Breeze.png","details":{"size":105166,"image":{"width":1212,"height":470}},"fileName":"Review of Breeze.png","contentType":"image/png"}}},"link":"https://www.trustpilot.com/reviews/662e6e117f6967d3d37664a7"}}},"content":[]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Understanding types of disability insurance","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Disability insurance policies come in two main flavors: short-term and long-term. They both provide income if you’re unable to work but for different time frames. Many employers offer short- and long-term disability insurance as an HR benefit. If you don’t have employer-provided disability insurance, you may be able to purchase it on your own. If you are purchasing independently, Trustpilot reviews can help you understand the experiences of other customers with these different types of policies.","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Short-term disability insurance: Quick coverage when you need it most","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Under a short-term disability policy, you’d typically collect 40%–70% of your normal salary for six weeks up to a year for situations like pregnancy, accidents, injuries, or illnesses. It typically would not cover an injury sustained while on the job, because on-the-job injuries would fall under workers’ compensation. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Most short-term disability policies offer “own occupation” coverage, meaning you’d be covered if you’re unable to perform the tasks of your job. Under “own occupation” coverage, you may find another job and still receive full benefit payments. Short-term disability insurance with this coverage is preferable to insurance that requires you to be completely disabled from all forms of work. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Disability insurance policies also come with an elimination period. This is the amount of time you must wait before insurance benefits start. A 14-day elimination period is common, but it could be as long as 30 days. ","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Long-term disability insurance: Ensuring long-term security","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Long-term disability insurance covers 10%–60% of your income if you’re unable to work for an extended period of time due to a disability. Before you can collect long-term disability benefits, you must use up all the sick leave from your job and be disabled for a minimum amount of time, typically six months. You can use employer sick leave during the elimination period. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Long-term disability insurance policies may define work as “own occupation” or “any occupation.” Many “own occupation” policies transition to “any occupation” after paying benefits for two years. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Social Security Disability Insurance (SSDI) explained","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"SSDI is a government program for people who are unable to work for at least a year due to a disabling condition. It has a five-month waiting period and can require significant documentation to provide your disability. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"To qualify for SSDI, the disabled person must have held a job that paid into Social Security. Many local, state, or federal government jobs do not pay into Social Security, so those workers would not qualify. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"SSDI benefit checks may also be smaller than what you’d get from a private disability policy. 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","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Due to the stress and complexity of disability claims, some people use a company like ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/allsup.com"},"content":[{"nodeType":"text","value":"Allsup","marks":[],"data":{}}]},{"nodeType":"text","value":" to advocate for them: ","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"2xWpzp5R9ZRfwnZYz4YEco","type":"Entry","createdAt":"2024-05-15T14:53:48.123Z","updatedAt":"2024-05-15T14:53:48.123Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"fields":{"title":"Review of Allsup, LLC","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"5XmNjlTyMQNb0bwyr4GF7A","type":"Asset","createdAt":"2024-05-15T14:53:42.693Z","updatedAt":"2024-05-15T14:53:42.693Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"fields":{"title":"Review of Allsup, LLC","description":"Review of Allsup, LLC","file":{"url":"//images.ctfassets.net/b7g9mrbfayuu/5XmNjlTyMQNb0bwyr4GF7A/19c5c6ae1ff3942582200aad9cac5d18/Review_of_Allsup__LLC.png","details":{"size":111382,"image":{"width":1194,"height":464}},"fileName":"Review of Allsup, LLC.png","contentType":"image/png"}}},"link":"https://www.trustpilot.com/reviews/663d4c1364636e9828573d51"}}},"content":[]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Choosing the right disability insurance for your needs","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Here’s a look at factors to consider when selecting disability insurance: ","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Employer options: ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"If you have disability insurance through work, but you’re considering switching jobs, your policy may not move with you. That’s one reason to consider purchasing a private policy. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Elimination period: ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"How long can you afford to wait before collecting disability benefits? A larger emergency fund may mean you can stay afloat during a longer elimination period. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Own occupation vs. any occupation: ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"An “own occupation” policy may be more expensive compared to an “any occupation” policy, but it won’t be as strict at paying insurance benefits. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Premiums:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Your age and overall health, the percentage of income replaced, the waiting period, and the length of time covered will affect the cost of your policy. To ensure that you can keep up with premiums, you’ll wait to weigh factors you can choose (like waiting period or level of income protection) against how much you can afford in premiums. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Cost-of-living increases: ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"The disability benefit that seems generous today likely won’t have as much buying power in 10 years due to inflation. Many policies do not have a cost-of-living rider, but it’s something to consider if you’re concerned about inflation. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Renewability:","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Ideally, your disability insurance policy would be non-cancelable with a guaranteed renewal, so that your premiums can’t spike beyond what you can afford. ","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"If you don’t have both types of disability coverage provided through work, then you may want to consider short-term and long-term policies to cover your bases. 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","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Trustpilot is a review platform that is open to all. The companies and profile pages referenced in this article are provided for informational purposes only and are not recommended, endorsed by, or representative of the views of Trustpilot. 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Imagine a scenario where a guest slips on a wet floor in your apartment or your dog bites a stranger during a walk. In such cases, medical expenses and legal bills can escalate quickly. This is where personal liability insurance, a key component of your ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/choosing-best-homeowners-insurance"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"homeowners","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" or ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/renters-insurance-guide"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"renters insurance policy","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":", steps in to cover your financial obligation from the accident. \n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Let’s explore what personal liability insurance offers so those “oops” moments don’t become big financial headaches.\n","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"What is personal liability insurance?\n","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"Personal liability insurance protects you if you or those in your household have legal liability for someone else’s injury or property damage inside or outside your home. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Specifically, personal liability insurance covers:","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Bodily Injury:","nodeType":"text"},{"data":{},"marks":[],"value":" If a visitor is injured at your home or apartment, for example, by falling on a wet floor, your insurance can cover their doctor bills and surgery. \n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Property Damage:","nodeType":"text"},{"data":{},"marks":[],"value":" If others sustain property damage from you or your household relatives, personal liability coverage can cover the costs of fixing their property. If your kiddo hits a baseball through your neighbor’s expensive stained-glass window, this may kick in. \n","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"},{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Legal Expenses:","nodeType":"text"},{"data":{},"marks":[],"value":" If you’re sued by a ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/personal_injury_lawyer"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"personal injury attorney","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" arising from bodily injury or property damage to others, this coverage might pay for ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/lawyers_attorneys"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"hiring a lawyer","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" to defend you in court and cover any court costs and settlements resulting from the accident.","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"content":[{"data":{},"content":[{"data":{},"marks":[{"type":"bold"}],"value":"Dog bites: ","nodeType":"text"},{"data":{},"marks":[],"value":"Some ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/money_insurance?subcategories=insurance"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"insurance companies","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" offer this, and some do not. If they do, they sometimes limit the coverage to certain breeds. You’ll want to double check this if you have any ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/the-new-dog-checklist"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"four-legged friends","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" at home. ","nodeType":"text"}],"nodeType":"paragraph"}],"nodeType":"list-item"}],"nodeType":"unordered-list"},{"data":{},"content":[{"data":{},"marks":[],"value":"How does personal liability coverage work?","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"You can get personal liability coverage as part of your homeowners or renters insurance policy. Insurance companies typically offer coverage limits of $100,000, $300,000, or $500,000 of personal liability. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"People generally purchase a limit that matches or exceeds their net worth to shield their financial assets from being destroyed by someone’s accident or an erroneous lawsuit. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"If you feel you need more coverage than what home insurance provides, you can buy an umbrella liability insurance policy. You might purchase a $1,000,000 umbrella limit that sits above your liability limits in your homeowners, renters, and automobile insurance policies. Then if a covered liability claim hits the maximum amount of coverage you have in your home and ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/auto_insurance_agency"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"auto insurance","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" policies, the umbrella will begin paying up to a $1,000,000 limit. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"A qualified ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/insurance"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"insurance professional","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" can help you determine the right level of coverage for you. Reviews can give you insight into what it’s like to work with different ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/insurance_agency"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"insurance agents","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":" or ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/categories/insurance_broker"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"brokers","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":", like this one regarding ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/review/www.clements.com"},"content":[{"data":{},"marks":[],"value":"Clements Worldwide","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":":","nodeType":"text"}],"nodeType":"paragraph"},{"data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"2IYygFYKxCG8G7K5mzeLcO","type":"Entry","createdAt":"2024-05-20T20:07:57.466Z","updatedAt":"2024-05-20T20:07:57.466Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"fields":{"title":"Review of Clements Worldwide","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"2YtU9BU205HRJ31B8lH4Fn","type":"Asset","createdAt":"2024-05-20T20:07:45.601Z","updatedAt":"2024-05-20T20:07:45.601Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"fields":{"title":"Review of Clements Worldwide","description":"Review of Clements Worldwide","file":{"url":"//images.ctfassets.net/b7g9mrbfayuu/2YtU9BU205HRJ31B8lH4Fn/b87d0eb384a70891db83384f61b155c6/Review_of_Clements_Worldwide.png","details":{"size":30360,"image":{"width":598,"height":190}},"fileName":"Review of Clements Worldwide.png","contentType":"image/png"}}},"link":"https://www.trustpilot.com/reviews/6638f45f8ccf916f4329543a"}}},"content":[],"nodeType":"embedded-entry-block"},{"data":{},"content":[{"data":{},"marks":[],"value":"Homeowners vs. renters personal liability coverage","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"The personal liability coverage between homeowners and renters policies is very similar, but there are nuances to consider when comparing the risks and responsibilities of ","nodeType":"text"},{"data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/should-i-rent-or-buy-a-house"},"content":[{"data":{},"marks":[{"type":"underline"}],"value":"owning versus renting","nodeType":"text"}],"nodeType":"hyperlink"},{"data":{},"marks":[],"value":". ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"First, homeowners will typically have higher coverage limits because they generally have more assets at risk — such as their house! This can make homeowners a bigger target for lawsuits. Plus, renters typically only need to worry about liability related to the contents within their rented dwelling, not outside premises or structures like garages. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"For these reasons, renters’ policies typically offer $100,000 and $300,000 limits and at a lesser cost. Some insurance companies might have $500,000 options, but it’s not as standard an offering as with homeowners policies. And renter’s insurance is not as apt to offer coverage for dog bites. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Regardless of policy, personal liability coverage is often considered the most affordable part of your homeowners or renters policy. So it doesn’t cost much more to buy the maximum limits offered.","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"How to choose the right personal liability insurance ","nodeType":"text"}],"nodeType":"heading-2"},{"data":{},"content":[{"data":{},"marks":[],"value":"If you have assets to protect, some level of protection for personal liability may well be worth it. Buying an umbrella policy might give you further peace of mind if you have a high net worth or valuable assets. ","nodeType":"text"}],"nodeType":"paragraph"},{"data":{},"content":[{"data":{},"marks":[],"value":"Another consideration is to partner with an insurance company that will guide you through the process and take the stress out of lawsuits and accidents. As you shop your insurance options, Trustpilot reviews that discuss claims handling can give you a good idea of the type of customer service you might expect from different insurers. 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","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/car_leasing_service"},"content":[{"nodeType":"text","value":"leasing a car","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" isn’t as simple as getting the keys and turning the ignition. 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","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Full coverage insurance ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"refers to a combination auto insurance policy, a mix of both comprehensive and liability insurance.","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Nearly every U.S. state requires car owners to have some type of insurance. A “full coverage” policy often covers accidents and unexpected damage. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"What is comprehensive auto insurance?","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Comprehensive auto insurance covers any damage to the car that isn’t an accident. 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","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"New Hampshire, South Carolina, and Virginia don’t require liability insurance, but that doesn’t mean you’re off the hook for medical and property damage if you cause a car accident.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Full coverage auto insurance: What you need to know","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Full coverage auto insurance is an umbrella policy that usually includes:","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Collision insurance","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Comprehensive insurance","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Liability insurance","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"It’s all rolled into a single, tidy policy. In many states, if you are financing or leasing a car, you must have a full coverage insurance policy to satisfy the lender. But, unlike liability insurance, full coverage is not required if you own your car outright or paid for it with cash. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Full coverage auto insurance is more comprehensive than standard liability coverage. It will protect your finances in the event of a collision or a non-accident scenario, such as damage to your car from theft or natural disaster. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"Deciding how much auto insurance you need","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"You may wonder how much coverage you need. 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","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"Insuring your car isn’t a one-size-fits-all decision. Before committing to a company, check out their ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/insurance"},"content":[{"nodeType":"text","value":"Trustpilot reviews","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" to help you find a trustworthy provider. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Value versus savings. ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"Car insurance premiums can jump through the roof with extra bells and whistles. 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","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Learn more: ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/blog/buy-with-confidence/car-rental-services-what-to-watch-out-for-to-ensure-a-smooth-trip"},"content":[{"nodeType":"text","value":"How to rent a car: What to watch out for to ensure a smooth trip","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"Glass coverage","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Some companies offer a full glass coverage policy in addition to, but separate from, the comprehensive deductible. These policies are often “zero deductible,” meaning you won’t have to pay any costs out of pocket to replace a damaged or cracked windshield.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Insurance add-ons can provide peace of mind in the event of an accident. Whether your car is in the shop or needs a ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/auto_glass_shop"},"content":[{"nodeType":"text","value":"new windshield","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":", you’ll pay less out of pocket. ","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"E","marks":[],"data":{}},{"nodeType":"text","value":"njoy the ride with the right coverage","marks":[{"type":"bold"}],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Car insurance is a necessity for most car owners, and getting the right policy can put you at ease when you’re behind the wheel. But the search for the right company can be daunting. That’s where reviews can help. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"A positive customer service experience, like this review of ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/illinoisvehicle.com"},"content":[{"nodeType":"text","value":"Illinois Vehicle Auto Insurance","marks":[],"data":{}}]},{"nodeType":"text","value":", can give you deeper insight into an auto insurer, even before you sign a contract. 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Learn more about the ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://ca.trustpilot.com/blog/buy-with-confidence/5-types-of-insurance-to-keep-you-and-your-assets-safe"},"content":[{"nodeType":"text","value":"different types of insurance","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":", or contact an expert for personalized advice. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Trustpilot is a review platform that is open to all. The companies and profile pages referenced in this article are provided for informational purposes only and are not recommended, endorsed by, or representative of the views of Trustpilot. 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Essential insights for securing your future.","url":"https://images.ctfassets.net/b7g9mrbfayuu/6Zw5UASvVstfHGO1rcpwow/79a0271cd46872f5f55dea15481e3377/Life_insurance_Trustpilot.jpg","details":{"size":69904,"image":{"width":640,"height":427}},"fileName":"Life insurance Trustpilot.jpg","contentType":"image/jpeg","width":640,"height":427}},"intro":"Life doesn’t always go our way. Most people hope for a long, healthy life. Unfortunately, an unexpected illness or injury can derail those plans and force our families to change course. ","content":{"nodeType":"document","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Nobody wants to think about a loved one dying prematurely. But planning ahead by purchasing a ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/categories/insurance?subcategories=life_insurance_agency"},"content":[{"nodeType":"text","value":"life insurance","marks":[{"type":"underline"}],"data":{}}]},{"nodeType":"text","value":" policy can offer survivors some financial protection as they cope with the loss. And educating yourself on your options and reading Trustpilot reviews can help you choose a reliable provider to ensure your loved ones are covered.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"What is life insurance? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"If someone dies while their life insurance policy is in force, their beneficiaries get a payout. They can use this money to cover medical or funeral costs, pay off a mortgage, fund a child’s education, or however else they see fit. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This can be an important financial planning tool if you have people who rely on you financially or logistically. If you’re the main wage earner in your family, your family will lose your income when you die. They would then need to replace that income or reduce their spending. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Here’s why one customer purchased life insurance from ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/choicemutual.com"},"content":[{"nodeType":"text","value":"Choice Mutual","marks":[],"data":{}}]},{"nodeType":"text","value":": ","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"3AccVSoOvECJIBZUYUjLdH","type":"Entry","createdAt":"2024-05-15T14:16:29.339Z","updatedAt":"2024-05-15T14:16:29.339Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"fields":{"title":"Review of Choice Mutual","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"fVbVfPl6Ksh4gD5hbYNJ0","type":"Asset","createdAt":"2024-05-15T14:16:23.256Z","updatedAt":"2024-05-15T14:16:23.256Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":4,"revision":1,"locale":"en-US"},"fields":{"title":"Review of Choice Mutual","description":"Review of Choice Mutual","file":{"url":"//images.ctfassets.net/b7g9mrbfayuu/fVbVfPl6Ksh4gD5hbYNJ0/05d710558fa520855ce1ba25744528ea/Review_of_Choice_Mutual.png","details":{"size":71134,"image":{"width":587,"height":338}},"fileName":"Review of Choice Mutual.png","contentType":"image/png"}}},"link":"https://www.trustpilot.com/reviews/66353291779ea7ffe86fb218"}}},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Parents and caregivers who don’t work outside the home might also need life insurance. If a stay-at-home parent died suddenly, the other parent would need to hire help to keep the house running and the children cared for. A life insurance payout could allow the surviving parent to hire help and continue working.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"What types of life insurance are available? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Life insurance comes in a few different flavors, including term life, whole life, and supplemental life. ","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"What is term life insurance? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Term life insurance covers you for a specified term, often 10, 15, 20, or 30 years. A homeowner might choose a 30-year term life policy in case they pass away while their spouse is still paying off the mortgage. A new parent might choose a 20-year term life policy to cover their children in case the parent dies before their children are financially independent. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"This customer chose a 20-year term life insurance policy from ","marks":[],"data":{}},{"nodeType":"hyperlink","data":{"uri":"https://www.trustpilot.com/review/efinancial.com"},"content":[{"nodeType":"text","value":"eFinancial Life Insurance","marks":[],"data":{}}]},{"nodeType":"text","value":": \n","marks":[],"data":{}}]},{"nodeType":"embedded-entry-block","data":{"target":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"4DnejMJUcTDBAqHAlbENyF","type":"Entry","createdAt":"2024-05-15T14:19:12.201Z","updatedAt":"2024-05-15T14:19:12.201Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"contentType":{"sys":{"type":"Link","linkType":"ContentType","id":"resourceImage"}},"locale":"en-US"},"fields":{"title":"Review of eFinancial Life Insurance","image":{"metadata":{"tags":[],"concepts":[]},"sys":{"space":{"sys":{"type":"Link","linkType":"Space","id":"b7g9mrbfayuu"}},"id":"zga27n7L3izUTBeUHLe5f","type":"Asset","createdAt":"2024-05-15T14:19:02.017Z","updatedAt":"2024-05-15T14:19:02.017Z","environment":{"sys":{"id":"master-blog","type":"Link","linkType":"Environment"}},"publishedVersion":3,"revision":1,"locale":"en-US"},"fields":{"title":"Review of eFinancial Life Insurance","description":"","file":{"url":"//images.ctfassets.net/b7g9mrbfayuu/zga27n7L3izUTBeUHLe5f/6bc153c569253c7b9e3d1ad7829c8e67/Review_of_eFinancial_Life_Insurance.png","details":{"size":54199,"image":{"width":600,"height":280}},"fileName":"Review of eFinancial Life Insurance.png","contentType":"image/png"}}},"link":"https://www.trustpilot.com/reviews/652020b491a638d2a6e4eea2"}}},"content":[]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Term life insurance is a popular option, because the premiums tend to be lower than whole life or supplemental life insurance. The simplest form of term life insurance is level term. This means the premiums remain at the same level throughout the term. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"With a yearly renewable term, you’re insured for a year at a time with the option to renew your policy each year at a higher premium. ","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"What is whole life insurance? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"While term life insurance covers you for a specific term, whole life insurance covers you for the entirety of your life, provided the premiums are paid up. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"It also accrues cash value that you can access while you’re still alive using a tax-free loan or withdrawal. Some people use this cash value for a down payment on a home or their children's higher education. However, borrowing or withdrawing from your whole life insurance policy means your survivors get a smaller death benefit later on. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Because whole life insurance offers policyholder benefits beyond death and covers you for a longer time frame, the premiums are generally more expensive than term life insurance for the same payout. And remember that checking Trustpilot reviews can help you evaluate the best whole life insurance providers for your needs. ","marks":[],"data":{}}]},{"nodeType":"heading-3","data":{},"content":[{"nodeType":"text","value":"What is supplemental life insurance? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Supplemental life insurance is often available as an employee benefit. Some companies buy a small amount of life insurance for each employee and then allow those employees to purchase additional coverage. ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Some people don’t qualify for term or whole life insurance privately due to their health, so supplemental life insurance purchased through an employer offers an alternative. Trustpilot reviews can assist you in finding supplemental life insurance policies that are well-regarded by other customers.","marks":[],"data":{}}]},{"nodeType":"heading-2","data":{},"content":[{"nodeType":"text","value":"How do I compare life insurance policies? ","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"There are several factors to consider when shopping around for life insurance. ","marks":[],"data":{}}]},{"nodeType":"unordered-list","data":{},"content":[{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How much coverage do your survivors need?","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":" Add up expenses like funeral costs, your mortgage, your kids’ college education, and your family’s living expenses. If you’re working, life insurance should replace your income, plus give your survivors a little extra for funeral costs or medical expenses. Some experts recommend buying a policy worth 10 times your income, plus whatever you’d plan to contribute to your children’s college education. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"How much can you afford in premiums? ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"If your budget is tight, you might consider buying term life insurance, since the premiums are lower. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Is your insurable need time-limited or indefinite? ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"If you need to insure your loved ones until the mortgage is paid off or your kids reach adulthood, a term policy might suit your needs. But if your need lasts longer than 30 years, you might opt for whole life insurance. ","marks":[],"data":{}}]}]},{"nodeType":"list-item","data":{},"content":[{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Do you need a policy that accrues cash value? Or would a simpler term life policy suit your needs? ","marks":[{"type":"bold"}],"data":{}},{"nodeType":"text","value":"Some people plan on using the cash value while they’re still alive to pay for future medical costs or a child’s education. Of course, there are other ways to fund these needs. ","marks":[],"data":{}}]}]}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"Life insurance can take many different forms, but its primary goal is giving your loved ones peace of mind in case something happens to you. Understanding different types of insurance can help you prepare for the unexpected. The right policy can free them from financial worries at a difficult time. Reading Trustpilot reviews can also help you choose a company you can trust, ensuring you make a well-informed decision for your future.","marks":[],"data":{}}]},{"nodeType":"paragraph","data":{},"content":[{"nodeType":"text","value":"\nTrustpilot is a review platform that is open to all. 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