What is an occupational disability review?
An occupational disability review independently assesses your protection if you can no longer work in your occupation. Together we consider whether the agreed benefit, policy term and conditions fit your life. You can also ask for a second opinion on a new quote or earlier advice. If you do not yet have cover, we first establish your needs.
On this page
Your ability to work deserves up-to-date protection
Starting your career, taking on more responsibility or having a family changes how much you rely on your income. A disability benefit that was sufficient years ago may now be too low. The policy term and agreed options to increase cover also deserve attention. What matters is whether the protection fits your current costs and commitments.
What can an occupational disability review do for you?
Understand first, then insure applies to your ability to work too. I explain the agreed monthly benefit, policy term and key conditions clearly. Together we examine indexation, options to increase cover and any need to adjust it. An existing policy should not be replaced hastily: acceptance, health assessment and terms of the new cover need to be clarified before a switch.
When does an occupational disability review make sense?
Review your protection regularly, particularly when you take on new financial commitments. Contractual deadlines can matter when using an option to increase cover. These situations are a good reason to take a closer look:
- Starting a career or changing jobs – consider your occupation and existing cover.
- A pay rise – check whether the agreed monthly benefit is still sufficient.
- Marriage, a new child or buying a home – reflect your new commitments.
- Becoming self-employed – reassess income needs and existing protection.
- A new disability insurance quote – independently compare benefits, limits and terms.
Who is it for?
For working people, those starting their careers and existing policyholders who want cover to reflect current commitments.
What we look at together
- Benefit compared with regular commitments
- Term, indexation and cover increases
- Occupation and benefit conditions
What helps for our first conversation?
- Policy and insurance conditions
- Occupation and income overview
- Regular expenses and existing protection
Your topic is enough for a first message. We agree on a suitable way to exchange personal documents or medical details later.