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No one knows when - or how - disability will strike. That unpredictability is why the best disability income insurance policy is the one that generates the most benefits in the greatest number of disability scenarios.

How do you know which DI policy is the best for you? Obviously, it's the one that provides the most comprehensive protection and has been tailored to meet your specific needs. There are a number of criteria - independent of any specific company - that may be used to evaluate a disability policy.

These are five sound ways to judge:
- Renewability Provisions: These are the terms under which you can maintain your coverage.
- Definition of Total Disability: In the best policies, "total disability" will mean that because of sickness or injury you are unable to work at your regular occupation.
- Residual Disability Benefits: This provision will define the benefits you may receive if you are able to work but your earnings are reduced as a result of disability.
- Other Policy Benefits: The best policies contain additional provisions designed to protect your interests.
- Optional Benefits: You may choose among these benefits to enhance your coverage and allow you to tailor it to your specific situation.

DI policies can vary significantly in all these areas. Let's examine each of them more closely and analyze the reasons why ProVider Plus* is the intelligent choice for disability income insurance.

What Is A Disability?
There are several definitions of "Disability" within a disability insurance policy, therefore there are several ways you can be disabled under the terms of the contract. To answer your question in a simple fashion, a disability is a sickness or injury which interferes in your ability to work. Hopefully this answers your first question, "Does this policy cover accident and sickness?" with a resounding yes.

Our Possible Underwriting Action Database Is State Of The Art
As a person thinking about getting disability insurance, you need to keep an open mind going into the process. Very few people come out of underwriting with a preferred risk discount, even if they recently received a super-preferred discount on a life policy. There are a number of significant differences between life insurance, and disability insurance underwriting. The disability insurance company is evaluating the possibility of you becoming unable to perform the material and substantial duties of your regular occupation, they are not evaluating the odds of you passing away in the next few years. Items such as chiropractic visits, arthritis, back problems, neck pain history, mental or nervous counseling, use of anti-depressant medication, and many other conditions play a major role in disability insurance underwriting.