What could I lose by changing disability insurance coverage now?

For the coverage analysis, disability insurance should be evaluated by the income it protects and the definition of a covered disability, not only the monthly benefit. For the coverage analysis, a life change is a good time to review coverage amount, beneficiaries, ownership, portability, and whether premiums remain affordable. As part of the policy review, employer coverage and an individual policy can complement each other. Read the policy contract alongside the current illustration or benefit summary, then have a licensed professional confirm in writing which guarantees, exclusions, surrender limits, and beneficiary terms apply.