What is “True Own Occupation” Disability Insurance?

If you are researching disability insurance you have probably heard about “True Own Occupation” coverage or “Own-Occ” coverage. One of the most important things you need to decide is if you want to pursue this type of coverage. It can be really important for certain occupations.     What is “Own Occ” Disability Insurance? When

…read more »

What are the odds of becoming disabled?

The odds of becoming disabled from work are pretty surprising to most people. An independent source of disability statistics can be viewed here. Request a Quote

…read more »

Can disability insurance pay for overhead expenses in my business?

  Disability insurance can be an absolute life-saver when it comes to paying your personal monthly expenses after a sickness or injury. But what if you own a business with monthly overhead expenses that also need to be met? You may also need business overhead expense coverage. When you own a business you are not

…read more »

What is disability insurance?

Disability insurance is a type of financial protection designed to protect a person who is dependent on their income. At Montana Life Group we feel that disability insurance is one of the most important types of coverage a working person can have. Unlike workers compensation, disability insurance will actually pay a person an ongoing monthly

…read more »

How are disability benefits taxed?

Disability benefits received from a long term disability insurance policy can be either tax free or taxable as regular income. The important determining factor is how the disability premiums were paid prior to the disability claim. If an individual person paid for the premiums for their disability insurance policy out-of-pocket with their own after-tax dollars, then

…read more »
The Standard, MetLife, Principal Financial Group, Genworth, & Lincoln Financial Group