The best endorsements for disability insurance are the people who have collected claims and saved their financial lives.  An interesting survey was reported in U.S. Insurance News.

Here are some of the interesting facts:

• Most claimants said they did not have any problems with the claims process, and of those who did, the majority had their problem resolved satisfactorily.
• While disability insurance carriers surely like to hear of these approval rates, even better is the acknowledgement from claimants that their disability coverage prevented them from suffering a financial hardship—a key selling point for disability insurance carriers
• Accordingly, 96 of claimants said it is at least somewhat likely that they would have suffered financial hardship had they not received disability insurance benefits after suffering a disability. Two-thirds (67 percent) said it is very or extremely likely that they would have suffered financial hardship.