Non-Disabling Injuries

Disability income insurance policies may contain a Non-Disabling Injuries Benefit.  Under the provisions of a non-disabling injuries benefit, an insurer will typically pay for the medical treatment prescribed by a physician required within 90 days of and as a result of an accident.  Generally the benefit is limited to not more than 50% of the monthly benefit for total disability.  

It is important to understand that this benefit is not in addition to monthly disability benefits; instead, it is in lieu of disability benefits under the policy.