10. Disability income insurance provisions and costs Answer the following questions about the provisions and options available for disability income insurance. Selecting a Disability Income Insurance Plan Degree of disability Brian loves his job, and, if he becomes disabled, doesn't want to do any other job. Yet, he'll need an income. Even though it will cost him more, buy disability policy. The cost is more because the insurer has flexibility when determining if the insured is eligible for coverage. Benefit period Upon retirement at age 65, Brian expects to collect a pension, Social Security, and draw on his IRA. His best friend works under the table and h He will suggest that small IRA, Brian will most likely buy a disability income insurance policy that covers him, friend purchase a policy that provides coverage Brian made this choice and this suggestion because the purpose of disability income insurance is to provide funds when income is lost due to illr injury. If he becomes disabled after he retires, he lose his pension, Social Security, or IRA income. If his friend becomes disabled, small IRA is pay the simplest expenses. to be sufficient to provide for basic necessities while he's unable to work. Additional income be necessa