Is partial disability limited within most contracts?
Yes. Cancelable contracts (1st day injury policies) generally offer 3 months of partial disability coverage with no option to purchase extra coverage. Non-Cancellable (30 or 31 day Injury plus Illness policies) contract generally do not provide Partial Disability Coverage but provide a rider that can be purchased for extended periods such as 6 months, 12 month, 24 months. Partial Disability may be an important benefit to your occupation and not yet to others. Depending on what you do for a living, partial may be an asset to you. Ask your living benefit specialist for further information.
