As I have shared with you in my earlier posts, claiming from a disability income plan is less stringent than from a plan with a total and permanent disability (TPD) definition.
What you may not know is this - there are conditions that can incapacitate you from working and they need NOT be a critical or major illness or a TPD.
Let me put it this way - whatever conditions that fall through the 'crack' (i.e. do not satisfy the definitions of critical illness or TPD) in a life insurance policy, a disability income plan can help to mitigate cashflow problems.
I cannot emphaszie enough - disability income is an essential component in your insurance program if you value your greatest asset, that is, your ability to work.
