Can I Get Disability Insurance While Living Abroad?

Living abroad can be an exciting adventure, but it can also be a bit nerve-wracking if you’re relying on long-term disability insurance benefits to provide you with income. Fortunately, if you have an individual or group long-term disability insurance policy, you may still be able to collect benefits while living outside of the United States. However, there are some important things you need to know about collecting long term disability insurance benefits while living outside the US if you want to continue to receive disability benefits.

Can I Get Disability Insurance While Living Outside the United States?

The first thing you should do if you’re considering living overseas is to review your long-term disability insurance policy to see what the requirements are for collecting benefit payments while living outside of the United States. Some policies may have specific requirements that you need to meet, such as providing proof of residency in a foreign country or working with a healthcare provider in the country where you’re living.

If your policy does require you to meet certain requirements, it’s important that you follow them closely. Failing to meet these requirements could result in your benefits being suspended or terminated, leaving you without the financial support you need.

Another important thing to keep in mind is that some insurance companies may not offer coverage to individuals who are living outside of the United States. If you’re currently covered by a group long-term disability insurance policy through your employer, it’s important to speak with your HR representative to see if your policy covers individuals who are living abroad. If not, you may need to consider purchasing an individual disability insurance policy that provides coverage for individuals who are living outside of the United States.

If you do need to purchase an individual policy, it’s important to work with an insurance agent who has experience working with individuals who are living abroad. They can help you find a policy that meets your needs and ensure that you understand the requirements for collecting benefits while living outside of the United States.

Finally, it’s important to keep in mind that collecting long-term disability insurance benefits while living outside of the United States may require additional paperwork and documentation. You may need to work with a healthcare provider in the country where you’re living to provide the necessary documentation to your insurance company. You may also need to provide proof of residency in a foreign country or other documentation to ensure that you meet the requirements for collecting benefits.

If you’re considering moving outside of the United States but still want to collect long-term disability insurance benefits, there are some important things you should know. Make sure to review your policy requirements, speak with your HR representative or insurance agent, and be prepared to provide additional documentation to ensure that you stay covered. With the right planning and preparation, you can continue to receive the benefits you need while living abroad.