What happens to my policy if I become disabled?

When a policyholder becomes disabled, the implications for their insurance coverage can vary depending on the specific terms and provisions of their policy with CMFG Life Insurance. Typically, policies may include features such as waiver of premium or disability riders that provide additional benefits if the policyholder cannot perform their regular occupation due to a disability. If a waiver of premium is included, it generally allows the policyholder to stop making premium payments while still keeping the coverage active during the period of disability. It is important to review the specific terms of the policy to determine what provisions apply in the case of a disability. Different policies may have distinct criteria for what qualifies as a disability, and there may also be waiting periods before benefits kick in. Additionally, certain policies may offer disability income insurance, which can provide financial assistance to policyholders who are unable to work due to their disability. To get an accurate understanding of how a disability might affect an individual's specific policy, it would be beneficial to consult the policy documents or to check the CMFG Life Insurance website for resources that elaborate on policy benefits and provisions. The website may also provide contact information for further personalized inquiries regarding such situations. When reviewing these materials, policyholders should pay close attention to definitions, exclusions, and any relevant procedures they would need to follow to access benefits during a disability period.