The policy will remain in force as long as you pay the premiums. However, there could be a clause in the policy which states that if your husband is not emplyed when the disability occurs, then no benefit would be payable. Wthout seeing the specific policy, I can’t say for sure. I used to sell disability insurance with my last job, so I know how the policies can be very confusing. I would suggest either contacting yur agent (if you used one) or the company directly. The insurance company cannot change your policy based upon your conversation.

Hope this helps.

“As for the question on fluctuating salary, personal policies go off of tax returns. So they only cover you up to what your tax returns show.”

I am somewhat confused. My husband’s personal disability policy was written using his salary as a benchmark. We are paying premiums based on that coverage need. He has recently been laid off. We are continuing to pay the premiums. I am assuming that the policy would pay out if he became disabled now while he is unemployed (but I’m unsure). I’m also unsure about when he returns to work; if his salary is lower would the policy pay out at the higher salary it was written for? The premiums will not have been reduced. If the company goes off the income tax return and he has been unemployed then the coverage goes down dramatically. These policies are written with the premiums based on current salary and need. Once they are written and those circumstances change (for bettet or worse) I am assuming that the policy stays in place as long as premiums are paid. Am I off base here?
By the way, thank you for answering this.

What does it do? Well it pays a certain amount every day for someone to assist you should you ever get in a situation where you can’t do certain defined tasks e.g. bathe etc.

This is a useful coverage to have since it frees up the spouse to work and have someone care for some of the patient’s needs.

The policy will remain in force as long as you pay the premiums. Depending upon how long his unemployment lasts, you might be able to suspend the policy while he is unemployed, then resume it once he is employed again. That’s could be risky if you forget to reinstate it, but it could help reduce expenses in the short term. Without seeing the specific policy, I’m not sure how the benefits would be affected with a new job.