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Many Long Term Disability policies today have a clause for the regular occupation definition of disability.  This definition says that your policy will pay you benefits if you are no longer able to work in your profession after being disabled, however, if you begin a new profession the benefits will be reduced by the amount of income you are making.  This policy does not allow you to double dip on benefits, however it does help keep your income near previous levels.  Using this disability definition is one way to reduce your premium.  

To learn more on how you can save on your long or short term disability policy in the Midwest call or contact the Garsys Agency today at 800-749-0053. The Garsys Agency serves clients in Minnesota, Nebraska, Iowa, Illinois, North Dakota, Texas, Wisconsin, Washington, South Carolina, and more......
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