残疾pp王者电子官网的好处
Learn how 残疾 insurance helps protect against the unexpected.
如果你出了意外或受伤，你的 健康pp王者电子官网 通常帮助支付医药费. People sometimes forget to plan for situations w在这里 they are physically not able to work. 提前计划 金融危机 能否降低毁灭性的金融风险. 这就是伤残pp王者电子官网的用武之地. 与社会保障的残疾pp王者电子官网相比, which has eligibility requirements and a rigorous application process, 残疾 insurance is available to anyone and is a tool to help mitigate the risk of loss of income. 金融 幸福 对大多数人来说很重要，需要计划吗.
为什么买伤残pp王者电子官网很重要?
Disability income insurance products can help you plan for the unexpected and help protect you and your family financially. They provide financial income to help cover expenses as it pays you a percentage of your salary if you become totally disabled due to an illness or injury that prevents you from working. 取决于你的政策, 残疾 insurance covers your lost income for anyw在这里 from a few weeks to longer periods of time. Here are more details on the major types of 残疾 insurance.
伤残pp王者电子官网的种类
长期 or short-term 残疾 policies are generally the available options.
- 长期伤残pp王者电子官网. A type of 残疾 insurance policy that provides funds to help replace lost income if you become disabled for an extended period of time.
- 短期伤残pp王者电子官网. A type of 残疾 insurance policy that provides funds to help with monthly expenses like car loans, 抵押贷款, rent and credit cards — or to help replace lost income if you become disabled.
Here are more details about the benefits and options for most 残疾 insurance policies.
- 短期残疾 has a one- or three-year benefit period and can replace a portion of your monthly income up to a maximum of $3,000, 根据你的收入.
- 长期 残疾 has a five-year benefit period or a "to age 67" benefit option and can replace a portion of your monthly income up to a maximum of $20,000, 根据你的职业和收入. As part of this policy, you may want to consider optional riders:
- 生活费用调整(COLA) benefit to protect against inflation by increasing your monthly 残疾 payments each year.
- 残障骑手 that continue to pay out in reduced amounts if you're able to work part-time.
- 意外死亡和肢解(AD&D)
- 社会pp王者电子官网附加条款(SIS) 提供额外的福利金额. Your 残疾 benefit amount will be reduced proportionally once the SIS benefit is approved.
- 5岁至67岁 option which changes the qualification of a claim so it's specific to your occupation (if you can do another job, 你仍然会得到好处).
自雇人士伤残pp王者电子官网
规划、 策略 and mitigating risk is especially important when you have a business 他们都是自雇人士. Disability insurance is a particularly important tool to mitigate risk for people who own 小型企业 他们都是自雇人士. Affordable 残疾 insurance may protect the business too. 和你的州立农场讨论一下® agent the expenses and other financial obligations you need to cover if a disabling injury or sickness occurs
To help you navigate the variety of insurances and their options, 和州立农场的代理人谈谈 今天.
