Frequently Asked Questions
What to Expect from Your Disability Insurance Policy

Who should I contact if I have questions about purchasing a disability insurance policy?

Our licensed customer service specialists are standing by to help you. Live assistance is available between 8:00 a.m. and 5:00 p.m. Pacific Time, Monday through Friday. Contact us at 8664840245.

In which states is DIonDEMAND disability insurance coverage available?

We presently offer disability insurance in 44 states and the District of Columbia. We do not yet offer coverage in CA, FL, MT, SD, VA or NY, although coverage should be available in those states soon. Coverage is not available in Puerto Rico.

What ages qualify for income protection insurance?

Disability insurance coverage is available for those between the ages of 18 and 60.

Do I have to work in a certain type of occupation to qualify for coverage?

No, we offer coverage for those in the labor, technical, professional and executive occupation classes,
so people in most types of jobs can qualify for coverage.

Will I need to submit financials as part of the application process?

Nope! No financial documentation is required for your approval.

What if I’m a smoker?

Both non-smokers and smokers can qualify for income protection insurance.

What payment options are available?

You may pay for your policy via credit card, debit card or checking account draft. We accept MasterCard, VISA, Discover, American Express, Diners Club and JCB. You can choose to pay your premium on an annual, semi-annual, quarterly and monthly basis.

What if I change my mind?

DIonDEMAND policies have a 30-day free look period, so if you change your mind within the first 30 days of the policy, you can cancel and receive a full refund.

If I’m unable to work due to illness or injury, when are disability insurance benefits paid?

Disability insurance benefits commence after you have been unable to work for the duration of your elected waiting period, such as 90 days.

How much will I receive each month if I become disabled?

Coverage will last until you are able to work again, or your benefit period has been exhausted. We offer policies with a 1-year, 2-year, 5-year, and "To Age 67" benefit periods.

How long will coverage last if I become disabled?

Coverage will last for as long as your doctor says you are unable to work up to the limits of the benefit period you choose. We offer policies with 1-year, 2-year, 5-year, and “To Age 67” benefit periods.

Can I work while I’m out on disability?

Yes, there is a return to work provision in the contract that would pay benefits following a claim of total disability.

How does the policy define disability?

We offer the traditional “Modified Own Occupation” definition as follows: While under the care of a physician, you are unable to perform the material and substantial duties of your Own Occupation and not engaged in any other Gainful Occupation.

Is the DI on Demand Product Guaranteed Renewable?

Yes, your DIonDEMAND disability insurance policy is Guaranteed Renewable to Age 67. This means that the coverage can't be cancelled as long as you pay your premiums. The policy will terminate on the first policy anniversary on or after the insured’s 67^th birthday.

What’s the difference between disability insurance, income protection insurance and paycheck protection?

There is no difference. Those are just different terms that describe the same type of coverage.

Will Social Security Disability Insurance affect my benefit amount?

No. You can collect both.

What is a COLA rider?

COLA is the acronym for Cost of Living Adjustment. If you choose to add a COLA rider to your policy the monthly benefit of the base policy is indexed by the change in CPI every 12 months from the date of onset of disability. The COLA rider is not available with the 2-year benefit period. Contact us for more information.

Is this disability insurance underwritten by a stable, reliable company?

Yes. DIonDEMAND policies are underwritten by National Guardian Life Insurance Company. Established in 1910, National Guardian Life Insurance Company (NGL) is one of America’s most successful, independent mutual life insurance companies. As a mutual company, NGL is controlled by its policyholders and operate in their best long-term interests. While adhering to the highest standards of quality and integrity, NGL strives to demonstrate its commitment to its policyholders and their families. As a longtime leader in the industry, NGL believes in its mission to partner with customers to share life’s financial risks and rewards. It's a privilege to serve policyholders and partners by offering high-quality products and providing superior customer service. Licensed to do business in 49 states and the District of Columbia, NGL offers disability income, preneed, individual life and annuities, as well as group markets products including specialty and student insurance. NGL continues to be one of the most highly-rated companies in the industry, consecutively rated A- (Excellent) by A.M. Best which reflects a stable outlook. The A- rating further attests to NGL's financial strength and ability to meet policyholder obligations. Learn more at www.NGLIC.com.

National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a.k.a. The Guardian or Guardian Life.