Below is the  Checklist Health And Disability Insurancetemplate body. If necessary, please put the personal information, company information, such as text to replace the specific content you need. you can download the .doc template file on the end of the article by click download link. 

CHECKLIST

ISSUES TO REVIEW FOR HEALTH AND DISABILITY INSURANCE



This checklist will help you to determine if your company has a good disability insurance in place for all its directors, officers and employees.


Is the insurer financially strong, with a good reputation?

Does the insurer have a good history of timely paying claims?

What are the exclusions from coverage?

Are the premiums competitive? Are the premiums for dependents reasonable?

Is disability defined broadly enough?

How long are the benefits payable? One year? Two years? To a certain age? Life?

How long the person must be disabled before disability payments kick in?

How is partial disability covered?

Is the policy guaranteed renewable?

Is the policy non-cancelable?

What is the level of payment to a disabled employee? Will there be a cost of living upward adjustment?

How much flexibility does an insured have to choose doctors?

What employees can be covered? Can part-time employees be covered?

What does the insured have to pay for each doctor visit?

What deductibles are present?

What dependents are eligible for coverage?

Will benefits be available to gay partners of the employee?

What hospitalization and major medical expenses are covered?

How does the policy compare with other insurers?


click to download Checklist Health And Disability Insurance template
                            

Other legal template form