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	<title>New answer on: How Hard Is It To Get Disability Insurance?</title>

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		<title>By: Larry Gilmore</title>

		<link>https://www.insurancelibrary.com/disability-insurance/how-hard-is-it-to-get-disability-insurance</link>

		<dc:creator>Larry Gilmore</dc:creator>

		<pubDate>Tue, 21 May 2013 19:35:50 +0000</pubDate>

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		<description><![CDATA[How hard is it to get disability insurance?  Well let&#039;s qualify it this two ways.  First is it hard to get a poor disability policy? No, it&#039;s really easy and as long as nothing happens to you, you&#039;ll never know if was money wasted or not. If something happens however, that&#039;s when you find out. 

The other choice is a good disability policy with a real solid definition of disability that doesn&#039;t find ways to reduce or even take away your benefit. Those will be hard to get, underwritten tightly and work fantastic if needed.  Why so hard to get? A payout on a disability policy that has that strong definition could pay out into the millions when a COLA rider is attached to it and with the strong definition, a person could still collect while working in another field.  The RISK to the insurer is high, so they underwrite tight.]]></description>

		

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