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Consultants, Don't Risk a Disability!

If you are a consultant, Got DI has fantastic choices to offer you long-term or short-term plans for own-occupation disability insurance. You can't ever know when an injury or illness will strike, but you can prepare for them by purchasing a policy to protect your wages.

We also offer various riders to improve your worst-case situation of falling victim to an unanticipated accident and being required to miss work. You'll find extras that account for living costs, medical expenses, hospital stay and critical illness bonuses, along with other riders. You may also choose how long you'd like your waiting and benefit periods to be.

Consultant disability insurance policies promise a portion of your income while you are unable to perform your duties. Your clients depend on your ability to guide their business, just like you rely on your wages, so check out the coverage we offer.

Riders for Your Policies

To help you purchase the best policy, Got DI compares the additional riders from top rated coverage providers. Riders are voluntary bonus features you are able to get to add with your policies that boost benefits in specific scenarios. Listed below are a couple of the optional riders we feature:

Hospital Confinement Indemnity Benefits Rider
This particular rider will pay up to $500 for every day you’re hospitalized because of an injury. The benefit doubles for each day you have to remain in intensive care.

Cost-of-Living Adjustment Rider
Usually only available from long-term disability insurance providers, this rider raises your monthly benefits as long as you're disabled, to make sure that your benefits aren’t reduced by rising cost of living based on the Consumer Price Index.

Critical Illness Benefits Rider
Particular conditions are so serious that we provide the Critical Illness Benefits Rider, which compensates up to $25,000 if you become identified as having one.

Return of Premium Benefit Rider
Available for both short-term and long-term package costs, you can receive back between 50 to 80 percent of premiums (minus claims) paid after 10 years, depending on the rider and policy chosen.