Originally Posted by dgoldenz
There are a lot of moving parts to disability insurance.
Amen. My policy is through my employer. I can keep it if/when I leave my current job. However, the maximum payout is based on my income prior to getting disabled. That is not an issue while I have my current job. However, if I was unemployed for say a year before becoming disabled, I would only receive a pittance. I don't blame the insurance company for wanting the clause, but it does limit the usefulness of the policy.