If this is your first experience buying Permanent Total Disability Coverage, or you’ve heard about it and just aren’t sure it’s right for you, we’ve compiled the list of Frequently Asked Questions to help you make your decision. Please read them over and see if your question is answered. If not, we invite you to contact us so that we may offer further assistance.
Q: Can I be turned down for this coverage?
A: If you are a Fingerhut customer between ages 18 to 80 you cannot be turned down for this coverage. For those enrollees aged 70 to 80 you will be eligible for 50% of the benefit amount. The Permanent Total Disability benefit terminates at age 85.
Q: If I've had health problems can I still sign up?
A: Yes! All eligible Fingerhut customers who complete the simple online enrollment process will be accepted. In fact, at no time in this process will you need to answer questions about your health, your income, or your current financial status.
Q: Can I get coverage for my spouse?
A: Yes, your spouse is eligible for this valuable coverage too. Simply select a joint plan and your spouse will be covered for 50% of the Additional Coverage benefits that you’ve selected. Only the primary insured is eligible to receive the $10,000 complimentary coverage provided by Fingerhut.
Q: Will my rates ever go up?
A: Your rates cannot be changed individually. The insurance company has the right to change your rates only if the same change is made to the entire group under the policy.