Disability 101 Documents Downloadable Documents Filing a Claim Learn More Disability 101 Definitions Continuation After Graduation Learn more Questions? Contact Tobin Nadeu, UVM Student support specialist at Pastore Financial Group: 802-999-7123. EVALUATING DISABILITY INCOME INSURANCE - DEFINITIONSBenefit Amount: What is the monthly disability income benefit?Waiting Period: For how long must you be disabled before the benefit begins? Common waiting periods are 60, 90, 180, 365 or 730 consecutive days of disability.Benefit Period: For how long will benefits be paid? Common benefit periods are one year, two years, five years and to age 65.Total Disability: Total disability can range from the inability to perform your own occupation to the inability to work in any reasonable occupation based on your education, training and experience.Partial Disability Benefit: Will the policy provide benefits for partial disability following a period of total disability? If so, how much and for how long? What requirements must be met?Rehabilitation Benefits: Does the policy pay any of the expenses of a rehabilitation program during a period of disability?Waiver of Premium: will policy premiums be waived during a disability?Renewability: Is the policy guaranteed renewable? Under what conditions can premiums be increased?Other Benefits to Consider: Additional Purchase Option: Right to purchase additional disability income protection without evidence of insurability. Social Security Rider: Coordinate with an expected Social Security disability benefit. Cost of Living Rider: In the event of disability, increased the disability benefit each year to compensate for increases in the cost of living.