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Finding out what your employer covers is the first step to take before seeking help from the individual disability insurance providers. You need to make sure you know what you have, if anything before you get started.

Ask Your Employer

Have a meeting with your employer regarding what type of coverage you have if you find yourself in the situation where you are not able to work for several weeks or a month. This is essential to making sure you are purchasing enough coverage from an insurance policy. You need to cover your regular salary while you are out of work as well as your medical bills that are not covered by your medical coverage. Go over all the facts before you decide on a coverage amount or policy type. This will save you some heart ache when it comes down to having to use your policy. You don’t want to be caught off guard in this circumstance.