your individual disability insurance contract will stay with you 朴槿惠狱中怪异 两男子玩具枪抢劫

Insurance When it comes to insurance for disabilities for individuals, there are two basic kinds you need to have a good understanding of. Knowing what is good and bad about each type can make a big difference if you ever need to take advantage of the benefits they offer. Short term disability insurance is available immediately if you sustain an injury or have an illness and are unable to work. These benefits can last from a few weeks or up to 12 months or more. The benefits of your disability policy will control how long the benefits last. Most employers offer this kind of plan as part of their benefits package. In fact, in some areas large employers are required to make some sort of short term insurance for disabilities, available to their workers. If you’re employed by someone that offers short term disability insurance, chances are you’re involved in what’s called an employer-sponsored policy. Carriers pool people together to make the insurance more affordable for everyone. Most group plans pay out 60 percent of your salary. This figure is sometimes offset by other factors. You may also get Social Security benefits and/or workers comp.. Long term disability income insurance can become available after your short term coverage has been used up. Some employers do offer long term insurance for disabilities, but sometimes you are on your own to get this type of additional coverage. Currently, no states are mandating that employers offer any long term disability coverage. If you work for yourself or if your current job does not offer any sort of disability income insurance for individuals, you should make it a point to think seriously about getting coverage on your own. If you have a family or someone else who depends on you, insurance coverage can put your mind at ease. Insurance including disability insurance, of course, is something we rarely think about until we have a need for the benefits, but it it is prudent to understand what sort of disability insurance you have and make sure that when one ends and the other picks up. Also, you should know the amount of income from all sources you will be receiving should an injury or sickness keep you from earning a living, and whether or not it’s enough to keep a roof over your head. Remember that additional coverage above and beyond what your employer’s policy will pay you. Although there’s an extra cost involved, the money you spend on premiums may be well worth it when it comes time for you use it. Even if your job offers some sort of disability insurance, you are under no obligation to take it through them. In fact, many employees opt out of their employer’s plan and buy an individual income replacement insurance plan on their own. You may find that the cost will be more when you go out on your own, there are many advantages to these types of policies. Employer-sponsored contracts can have payout caps, either monthly or yearly, so if you’re a high wage earner you may be surprised by the relatively small monthly checks you actually receive. Also, if you leave your place of employment or are suddenly let go, your individual disability insurance contract will stay with you, unlike your employer’s policy. Insurance for disabilities for individuals is something you should really think about before you actually need the benefits. A little planning beforehand can save lots of aggravation later on. About the Author: 相关的主题文章: