Factors That Affect Your Oregon Disability Insurance Rates

Your Oregon disability insurance rates are going to be based on the following criteria:

 Age
 Sex
 Occupation
 The amount of potential lost income you are trying to protect

The less exposure your occupation puts you in harms way, the lower your disability insurance premium will be. The higher the chance of injury, the larger the premium. In addition to completing a disability insurance application each company I work with is going to require the following to complete its underwriting for offering you coverage. Underwriting includes the following:

 Blood profile
 Urine HIV Text
 Completed Application
 State Required AIDS Test Authorization
 Income Documentation (W-2, Complete Tax Return, Pay Stub)