When coverage is “non-cancellable,” the insurance company cannot change or cancel your coverage or premiums.
Guaranteed renewable contracts allow the insurance company the right to adjust the rates from time to time on a class basis.
The policy’s definition of disability is an important factor in determining your eligibility for benefits:
- True “own occupation” policies allow you to collect benefits if you cannot do your job, even if you choose to work in another occupation.
- Some policies will reduce your benefits or stop paying if you choose to work in another occupation.
- Others policies might stop paying if you are able but decide not to work in another occupation.
personal appointments available
Member Insurance Solutions provides the option of on-site visits to discuss the issues that apply to your particular situation. To set an appointment at your convenience, please call 800.878.6765 and ask for an appointment.