Western & Southern has formed strategic partnerships with several
companies to provide you with insurance for your needs. We have chosen
these partners because they demonstrate the same commitment to quality
customer service.
With these partnerships, Western & Southern can offer you two different types of disability income insurance policies:
- Own Occupation — This policy covers you if you became disabled and unable to perform the majority of occupational duties that you have been trained to perform.
- Any Occupation — This policy covers you if you become disabled and unable to work in any job that would be reasonably suited for you based on your education, experience and age.
Disability income policies have different waiting or qualifying periods, which refers to the number of continuous days of being totally or partially disabled before your benefit begins. You can choose a waiting period of 30, 60, 90, 180 or 365 days. The longer your waiting period, the less expensive your coverage will be. The longer your benefit period, the more expensive your coverage will be.
