Guides & analysis

Articles

Long-form explainers and cost breakdowns, refreshed as rules change.

Policy Type

Individual Any-Occupation: Definition, Benefit Period & Cost Explained

Individual Any-Occupation explained: any-occupation definition, 2–5 years benefits, 90 days elimination period, $40–$90/month. Who it fits and the clauses that matter.

Definition Any-occupationBenefit period 2–5 yearsElimination period 90 days

Policy Type

Group Long-Term Disability: Definition, Benefit Period & Cost Explained

Group Long-Term Disability explained: any-occupation after 24 months definition, To 65 (while employed) benefits, 90–180 days elimination period, Employer-paid/month. Who it fits and the clauses that matter.

Definition Any-occupation after 24 monthsBenefit period To 65 (while employed)Elimination period 90–180 days

Policy Type

Return-of-Premium Term: Definition, Benefit Period & Cost Explained

Return-of-Premium Term explained: any-occupation definition, 5–10 years benefits, 90 days elimination period, $45–$95/month. Who it fits and the clauses that matter.

Definition Any-occupationBenefit period 5–10 yearsElimination period 90 days