Disability Insurance

Have you been considering purchasing disability insurance? If not, you should. Outdoor Insurance Services is a reliable insurance company from whom you can trust to be your insurance provider. We are the premier insurance agents covering The Woodlands, TX.

Keep in mind that the state of Texas does not require employers to provide disability insurance to their employees. This isn't always a bad thing because the state required plans are often limited in what they provide. Purchasing a plan outside of what your employer may offer allows you the freedom to get the proper insurance for your situation.

It is essential to understand what disability insurance covers and does not cover fully. The purpose of disability insurance is to pay benefits to those who aren't working because of a non-job related accident or illness. It may provide coverage where worker's compensation may not.

Texas does have a few laws about disability benefits. It requires that any insurance purchased today may not have a discretionary clause. That means some of the things that the insurance policy cannot state are:

• Specify that the policyholder may not appeal a denial of a claim
• Try to bind a policyholder to adverse claims decisions by the insurer
• Specify that the insurer's interpretation of the terms of the policy, or its decision to deny, is binding
• Specify that in an appeal of the insurer's decision making as it relates to the terms of the policy is binding
• Specify a standard review in any appeal process deferring to the original claim decision that is inconsistent with Texas law

Disability insurance can be confusing. It is vital to ensure that you are getting proper disability insurance coverage and that you completely understand the coverage you have. The qualified insurance agents at Outdoor Insurance Services wants to ensure your understanding. Visit the office in the Woodlands, TX today to discuss all your disability insurance needs.

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