You cannot get a long term disability policy if (1) you are or are soon to be pregnant, (2) make less than $18,000 per year, (3) are unemployed, or (4) you are required to carry a weapon for your job. Typically, the waiting period for long-term insurance to kick is at least 60 days and as much as a year. Disability insurance is an important aspect of your overall insurance coverage plan, and if your employer offers it as a benefit you should definitely consider it as a wise investment. For College Students The tuition arrangements are set up; the dorm room is assigned and your son or daughter is headed off to college in the fall. In all of the confusion of the paperwork, deadlines and financial arrangements did you remember to check on their health insurance? Many, but not all, insurance companies provide for health insurance for college students under a family policy; do you know for sure that yours does? With some insurance companies, coverage depends on whether or not the student is a full time student. Review your policy or ask your insurance administrator; if you have an HMO plan, will your student be covered if they go to the student
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