How do I compare long-term disability policies from different insurance companies?
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Every policy is different, which makes it very difficult to compare them side by side. The most important thing is to look for and understand important terms. Read the policy language and definitions carefully, as they vary greatly from company to company (e.g., what is the definition of "Own Occupation"; how do they value residual disability benefits?) Also, make sure you consult with an advisor you trust.
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