Disability Income Insurance: The Private Market and the Impact of Genetic Testing |
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| Authors: | David J. Christianson |
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| Affiliation: | Director, Inforce Product Management, at Thrivent Financial for Lutherans. |
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| Abstract: | This article discusses the disability insurance industry in order to provide context regarding the potential impact of genetic testing on disability insurance. It describes disability income insurance, exploring both the protection it offers and its main contract provisions. It goes on to describe the private insurance market and the differences between group and individual insurance, and concludes with implications of genetic testing with respect to the private disability insurance market. |
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