Disabilities, injuries, and illnesses can strike when least expected. With disability income insurance, consumers are protected from the financial losses that could arise if an accident or illness prevents them from working and receiving regular income. Producers have an important role in helping consumers and businesses plan for the unexpected, and this course details a wide variety of disability income products being offered. Topics covered include:

• Definitions of disability
• SSA benefits
• Underwriting and the claims process
• Individual policy provisions and riders
• Group short-term and long-term contracts
• Business uses of disability insurance