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Was the disability unpredictable (not resulting from previously-known chronic illness)?
Was the disability incurred in the course of performing job-related duties?
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What other insurance policies will pay claims for this event?
How much money will be paid per week/month/pay period?
For how many weeks/months/pay periods will payments continue?
What if the beneficiary is not totally disabled, but only partially?
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Was the disability unpredictable (not resulting from previously-known chronic illness)?
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History
Insurance began as a way of reducing the risk of traders, as early as 5000 BC in play free casino games China and 4500 BC in play free casino games Babylon. They argue that conventional interest rates for lower dollar amounts and shorter terms would not be profitable