Common Disability Insurance Coverage Gaps
These hidden gaps leave thousands of policyholders underprotected
Own-Occupation Definition
Some policies only pay if you can't do ANY job, not just your specific profession.
Potential Loss: Full benefit denial
Mental Health Limitations
Many policies limit mental health/nervous disorder claims to 24 months.
Potential Loss: Reduced benefit period
Partial Disability Coverage
Without residual disability coverage, working part-time may void your benefits.
Potential Loss: Partial or full benefit
What We Analyze in Your Disability Insurance Policy
Our AI reads every page of your policy document and identifies exactly what you're covered for, what you're not, and where the gaps are.
- Monthly benefit amount vs. income
- Own-occupation vs. any-occupation definition
- Elimination (waiting) period
- Benefit period length
- Mental health and substance abuse limitations
- Residual/partial disability provisions
AI-Powered Analysis
Get results in seconds, not hours
Frequently Asked Questions
What's the difference between own-occupation and any-occupation disability?
Own-occupation pays benefits if you can't perform YOUR specific job. Any-occupation only pays if you can't work ANY job suited to your education and experience - a much harder standard to meet.
How much disability insurance do I need?
Most policies replace 50-70% of pre-disability income. If employer-provided, benefits may be taxable. BeCovered helps you understand if your coverage adequately replaces your take-home pay.
What's an elimination period?
The elimination period is how long you must be disabled before benefits begin, typically 30-180 days. Longer periods mean lower premiums but require more savings to bridge the gap.
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