Check the policy’s benefit amount, waiting period, benefit period and definition of disability, including whether it covers your own occupation or any suitable work. Read the Product Disclosure Statement (PDS) for exclusions, claim requirements, offsets, indexation and whether benefits or premiums may change over time. Compare costs, tax treatment and whether cover is held inside or outside super, and make sure the insured income reflects your circumstances. A licensed financial adviser can help assess suitable cover, while the insurer ultimately decides eligibility and claims under its policy terms.