The Claims Side of DI: What Actually Triggers a Benefit?

What triggers a disability insurance (DI) benefit — and what does a real claim look like?

In this episode of Crump Insights, Kenny Russell and Jeff Deren explore the claims side of disability income insurance and how DI works when it matters most.

Gain practical insight into:

• What commonly drives claims, and the role illness plays versus injury
• How key policy definitions translate from contract language to real-life outcomes
• What financial professionals should understand to set clearer client expectations
• Why thoughtful policy design directly impacts how coverage performs under a claim

With a perspective grounded in real-world experience, this episode reinforces the role of DI as a core component of financial planning and provides a practical framework for client conversations.

Guests:
Kenny Russell, Director, Crump Disability Solution Center
Jeff Deren, National Vice President, Individual DI Sales, Principal

For Financial Professional Use Only. Products and programs offered through Crump are not approved for use in all states. Not all applicants will qualify for coverage. Policy terms, conditions, and limitations will apply. Crump does not provide any tax or legal advice. Insurance products are available through Crump Life Insurance Services, LLC, AR License #100103477. Variable insurance material is for broker-dealer or registered representative use only.