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Disability Insurance
Do I Need Credit Disability Insurance?
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[QUOTE="Jasz, post: 287020, member: 61772"] Credit Disability Insurance (CDI) is a type of personal or group disability insurance that pays benefits when you are unable to work due to injury or illness. Benefits are based on your income and can be paid for up to five years, depending on the policy. CDI is different from health insurance because it covers only short-term periods when you’re unable to work. It does not cover long-term disabilities or chronic conditions such as heart disease or diabetes. CDI policies pay benefits if you’re unable to work due to an accident or injury that occurred while at work. They also pay benefits if an employee dies while at work and the employer can prove that they were disabled prior to death. CDI policies don’t pay benefits if an employee was not working at the time of illness or injury, unless they were working in a hazardous occupation. You can purchase coverage from an insurer through an employer’s group health plan. You can also get coverage through a private insurer that offers it on its own. [/QUOTE]
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Do I Need Credit Disability Insurance?
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