Neuropsychological Evaluation

A method of testing where an evaluator seeks to obtain data about a subject’s cognitive, behavioral, linguistic, motor, and executive functioning in order to identify changes that are the result of a disease or injury.

Click here for more information on how neuropsychological evaluations could impact your disability insurance claim.

No Work Provision

A “no work” provision states that you cannot collect benefits if you are working in any capacity—regardless of whether your job is related to the occupation you were performing when you became disabled.  In most instances, the “no work” language will be included as part of the definition of “Total Disability” under your policy.

Click here for more information about how insurers use “no work” provisions to terminate benefits.

Non-Cancelable Rider

If your policy contains a non-cancelable rider, your insurer cannot change the terms of your policy or the required premium amounts as long as you submit timely payment of all premiums.

Click here for more information about the different types of riders that are frequently attached to disability insurance policies.