Insufficient Coverage
Choosing too little coverage can leave you underfunded, leading to financial hardship during disability periods.

Ignoring Waiting Periods
Selecting a long waiting period to save money might leave you without income for too long after becoming disabled.

Opting for Short-Term Plans
Relying on short-term coverage without long-term planning could leave you financially stranded after benefits run out.

Ignoring Pre-Existing Conditions
Failing to disclose or account for pre-existing conditions can lead to policy cancellations or denied claims later.

Focusing on Cost Only
Choosing the cheapest policy often means sacrificing important coverage features, potentially harming your future security.

Skipping Riders
Avoiding optional policy riders, like future increase options or cost-of-living adjustments, can limit your protection.

Underestimating Needs
Not accurately assessing future expenses during disability may result in insufficient income to cover essential costs.

Overreliance on Employer
Depending solely on employer-provided coverage could leave you vulnerable if you change jobs or lose employer benefits.

Not Getting Professional Advice
Skipping expert guidance could result in selecting a subpar policy or missing out on key protections.