The Advisor's Guide to Disability Insurance

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  • Format: Paperback
  • Copyright: 2018-08-07
  • Publisher: American Bar Association
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It may not be the first thing that comes to mind, but disability insurance may represent the most important financial product that individuals need during their working years. Being able to generate a steady income from work is the foundation for all financial planning, allowing individuals to maintain their lifestyle as well as plan for future retirement. The Advisor's Guide to Disability Insurance is a clear, concise, and approachable guide that helps attorneys, insurance agents, and other financial professionals understand the opportunities and benefits of disability insurance and guide their clients as well as their own families through this complex employee benefit and retirement planning process.

Written by experienced insurance industry professionals, this straightforward guide discusses all aspects of disability insurance with a long-term duration until retirement, beginning with the basics and an overview of the different types of disability. Subsequent chapters address key topics in greater depth, including:
  • Individual and group long-term disability
  • Integrated group and individual plans
  • Underwriting the disability risk
  • Filing a claim under different policy types
  • Employment/shareholder agreements
  • Evaluating and selecting a disability insurance carrier
  • Regulations and relevant benefit laws
  • Income protection planning and how it will evolve in the future
  • The role the advisor plays in planning
  • Sample planning situations

Author Biography

Tami Barraclough is Manager, Disability Insurance, at M Financial Group in Portland, Oregon. She manages disability case development and sales support functions and helps M Member Firms deliver customized income protection solutions.

Erik Reynolds supports M Financial Group’s Member Firms with business development at their Portland, Oregon, headquarters. He also manages group carrier relationships with an emphasis on employee benefit and executive disability plans, long-term care insurance, and Lloyd’s of London products.

R. David Watros is President, M Benefit Solutions at M Financial Group in Portland, Oregon, where he has overall responsibility for strategic and operational aspects of the company. He also serves as Vice President of the Corporate Benefits division, which includes income protection, 401(k)/retirement, long-term care, and ancillary employee benefit lines of business.

Table of Contents

Chapter 1: Disability Insurance: Background and Basics
Chapter 2: Overview of Disability Insurance
Chapter 3: Individual Long-Term Disability Insurance
Chapter 4: Group Long-Term Disability
Chapter 5: Integrated Group and Individual Disability Plans
Chapter 6: Underwriting the Disability Risk
Chapter 7: Filing a Claim
Chapter 8: Employment/Shareholder Agreements
Chapter 9: Evaluating and Selecting a Disability Insurance Carrier
Chapter 10: Regulations and Relevant Benefit Law
Chapter 11: The Future of Income Protection Planning
Chapter 12: The Advisor's Role in Planning
Chapter 13: Sample Planning Situations

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