I am thinking about dropping my DI of 8 years as I cannot think of any good claim reason that would ever be honored as to why I cannot do "my specific job", but yet would still be paid on claim for doing work of another nature - something else. I feel like no matter what could happen, the DI company would find a reason why I will still be able to "do my job" as listed above, because it is a white collar, business, basically a desk job. I fly to work if need be as I am self-employed...does claustrophobia regarding flying mean I "cannot do my job"?
Unless an accident to physically disable my "hands from keying", or blindness that disables "my eyes from seeing" a computer monitor, or deafness that prevents me from hearing users talk at meetings, what else could possibly happen where the company would consider that I cannot be a "Software Development Consultant" anymore, and then allow a claim, and pay me to continue to work at another career? Would they confine me to a region where I would only have to drive?
Would they state that I had to take a full time job for just one client that is local? What can they do to me to make me still able to "do my specific job"?
I am almost into lapse....can anyone give me a good reason to make me rethink my decision to drop this policy?
Also, it is only a 5 yr benefit and I am now approaching 60....meaning that when I am 61, I would only get 4 years of benefit but have paid for 5 all years till now.
Thank you for input.
OOZO
Unless an accident to physically disable my "hands from keying", or blindness that disables "my eyes from seeing" a computer monitor, or deafness that prevents me from hearing users talk at meetings, what else could possibly happen where the company would consider that I cannot be a "Software Development Consultant" anymore, and then allow a claim, and pay me to continue to work at another career? Would they confine me to a region where I would only have to drive?
Would they state that I had to take a full time job for just one client that is local? What can they do to me to make me still able to "do my specific job"?
I am almost into lapse....can anyone give me a good reason to make me rethink my decision to drop this policy?
Also, it is only a 5 yr benefit and I am now approaching 60....meaning that when I am 61, I would only get 4 years of benefit but have paid for 5 all years till now.
Thank you for input.
OOZO