FACTORS THAT DETERMINE YOUR DISABILITY INSURANCE RATES

Your Oregon disability insurance rates are going to be based on the following criteria:

• Age
• Sex
• Occupation
• The amount of potential lost income you are trying to protect

The less exposure your occupation puts you in harms way, the lower your disability insurance premium will be. The higher the chance of injury, the larger the premium. In addition to completing a disability insurance application each company I work with is going to require the following to complete its underwriting for offering you coverage:

• Blood profile
• Urine HIV Text
• Completed Application
• State Required AIDS Test Authorization
• Income Documentation (W-2, Complete Tax Return, Pay Stub)