Disability Policy

Templates

Disability Policy

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Datapoint

Description

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Policy Effective Date

Indicates the date the disability insurance coverage begins for the policyholder.

Policy Expiration Date

Identifies the date on which the disability coverage ends, marking the policy's expiration.

Policy Number

Returns the unique identifier assigned to the disability insurance policy for administrative and tracking purposes.

Eligibility Requirement

Lists the criteria that individuals must meet to qualify for disability insurance, such as employment status, minimum working hours, probationary periods, or actively-at-work requirements.

Included Benefit

Specifies the types of disability coverage included in the plan, such as short-term disability, long-term disability, partial disability benefits, rehabilitation services, and return-to-work programs.

Limitation

Outlines specific coverage restrictions such as maximum benefit duration, benefit caps, condition-specific limitations (e.g., mental health, maternity, substance abuse), and required elimination or waiting periods before benefits begin.

Exclusion

Lists medical conditions, scenarios, or types of injuries that are not covered under the policy, including self-inflicted injuries, illegal acts, or pre-existing conditions.

Premium

Describes the cost of maintaining disability coverage, including payment frequency (e.g., monthly, bi-weekly), and notes how pricing may vary based on factors such as age, income level, or benefit selection.

A disability insurance policy outlines the coverage, benefits, and limitations that protect policyholders in the event they are unable to work due to illness or injury. Feathery’s AI automatically extracts structured data such as policy numbers, effective and expiration dates, and eligibility requirements tied to employment status or work hours. It also captures benefit details including short- and long-term disability coverage, partial disability benefits, rehabilitation services, and return-to-work programs, along with associated limitations, exclusions, and elimination periods.

By digitizing policy information and premium details, Feathery streamlines enrollment, enhances accuracy, and reduces administrative overhead. This automation helps insurers, employers, and benefits administrators quickly verify eligibility, ensure compliance, and provide timely disability coverage and income protection for individuals.

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