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Understanding Disability Insurance
By quamrul
| Understanding the principles of disability will allow you to make the right choice of an policy for your unique situation, and to be reassured that your family and your home will be protected in the event of sudden illness or an accident on the job. You probably wouldn't think twice about the fact that health is absolutely essential, but what about disability insurance? It's just as important. No matter how careful you are about job safety or staying healthy, sometimes there is nothing you can do to prevent an accident or illness. While your health is vital in getting you treatment, what happens when you can't go back to work right away because you're recovering? Your bills need to be paid, and your family needs to eat. This is why disability is absolutely necessary. Disability benefits will help you with your cost of living during the time that you are not well enough to return to work. They will usually not pay enough money to equal your working wages, but should be enough to pay your basic bills. Almost all disability does not begin immediately, but requires a waiting period of two weeks to several months. If you are expected to be unable to work at all for at least a year, you may be eligible to have Social Security pay you disability benefits. The amount you will receive will depend on your age and how much money you were making at your job. There are also types of disability that your employer may offer, where the premiums
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are taken out of your paycheck. Almost all employers are required by law to offer short-term disability of some sort, like paid sick leave, although the amount of time available may vary from just a few days up to six months, or even two years.
You also may be eligible for your company's long-term disability plan, if they have one. This may cover you in a situation where an injury or illness prevents you from working for a very long time, or even for your lifetime. Check with your state laws to see what your employer is required to provide you with, and ask your benefits department to explain the plan in detail.
While you are investigating your options, you may wonder what some of the terms used really mean, like 'non-cancelable' or 'guaranteed renewable'. Non-cancelable means that your policy can never be changed or canceled, unless you don't pay your premiums. This helps to make sure you aren't discriminated against when you are not well enough to work. Guaranteed renewable means that the policy will be the same every year, and the premiums cannot be increased, which means that you don't have to pay more after having a workplace accident, unlike a lot of auto insurance. If you don't understand any other terms in your policy, be sure to ask your administrator to explain them, or look them up yourself.
You may think that this sounds like a lot of work, but it's really not too difficult. Understanding the principles of disability will allow you to make the right choice of an policy for your unique situation, and to be reassured that your family and your home will be protected in the event of sudden illness or an accident on the job.
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Cypress Care Announces the Latest Release of Its Proprietary Online Claims Portal, Sequoia (TM)
Cypress Care announced today the latest release of its proprietary online claims management portal, Sequoia™. (PRWeb Dec 3, 2008)
Read the full story at http://www.prweb.com/releases/Sequoia/Cypress_Care/prweb1696284.htm ]]>
Sy Sternberg, CLU, Receives the Round Table of New York's Lifetime Achievement Award
The Round Table of New York announced today that Sy Sternberg, CLU®, Chairman of the Board of the New York Life Insurance Company, received the organization's 2008 Lifetime Achievement Award. Sternberg was honored at a black tie event at the Union League Club of New York on December 1, 2008. Each year the Round Table of New York presents its Lifetime Achievement Award to an individual that has made significant contributions to the insurance and financial services industry. The award recognizes individuals for their accomplishments in the areas of professional ethics, education and industry leadership. (PRWeb Dec 3, 2008)
Read the full story at http://www.prweb.com/releases/2008/12/prweb1692264.htm ]]>
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Read the full story at http://www.prweb.com/releases/insurance/health/prweb1693084.htm ]]>
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Better Approach from Banks Will Help Borrowers, Says Burgess
A more constructive approach to repossession from high street banks will make a significant difference as the country begins to look ahead to a very tough 2009. A longstanding commentator on payment protection insurance (PPI), Sara-Ann Burgess, director at specialist firm Burgesses, said she was delighted to see Royal Bank of Scotland (RBS) extend the length of time before it would seek to initiate repossession proceedings against borrowers in arrears. (PRWeb Dec 3, 2008)
Read the full story at http://www.prweb.com/releases/payment/protection/prweb1694754.htm ]]>
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Why Ask So Many Questions - Its Only Motorcycle Insurance
By Shaun
You may be forgiven for asking what is underwriting and why does it matter to me, after all, most of us have no idea what happens to our application when it goes to the motorcycle insurer for Read more...
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Finding The Best Car Insurance Offers Online
By Robert
Research can be time consuming but well worth the effort when it comes to finding the best insurance offers online. With so many agencies and insurance Read more...
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