Benefits of disability insurance
了解残疾pp王者电子官网如何帮助防范意外情况.
If you have an accident or injury, your health insurance typically helps cover the medical bills. 人们有时会忘记为身体无法工作的情况做计划. Planning ahead for a financial crisis can reduce the devastating financial risk. That's where disability insurance comes in. In contrast to Social Security disability coverage, 哪个有资格要求和严格的申请程序, 任何人都可以获得残疾pp王者电子官网,这是一种帮助减轻收入损失风险的工具. Financial well-being is important to most people and requires planning.
Why is it important to have disability insurance?
残疾收入pp王者电子官网产品可以帮助您为意外情况做好计划,并在经济上保护您和您的家人. 如果你因疾病或受伤而无法工作,他们会支付一定比例的工资,为你提供经济收入来帮助支付开支. Depending on your policy, 伤残pp王者电子官网覆盖你的任何地方的收入损失,从几个星期到更长的时间. 这里有更多关于主要类型的残疾pp王者电子官网的细节.
Types of disability insurance
长期或短期残疾政策通常是可用的选择.
- Long-Term Disability Insurance. 一种残疾pp王者电子官网,如果你长时间残疾,它提供资金帮助你弥补失去的收入.
- Short-Term Disability Insurance. 一种残疾pp王者电子官网,提供资金帮助支付每月的费用,如汽车贷款, mortgage, 房租和信用卡——或者如果你残疾了,帮助弥补你失去的收入.
以下是关于大多数残疾pp王者电子官网政策的福利和选择的更多细节.
- Short-term disability 有一个一年或三年的福利期,可以代替你每月收入的一部分,最高可达3美元,000, based upon your income.
- Long-term disability 是否有5年的福利期或“至67岁”的福利选项,并可取代你每月收入的一部分,最高可达20美元,000, based upon your occupation and income. 作为此政策的一部分,您可能需要考虑可选附加条款:
- A cost of living adjustment (COLA) 每年增加每月伤残津贴,以防止通货膨胀.
- Residual disability riders 如果你能做兼职,你的工资会继续减少.
- Accidental death and dismemberment (AD&D)
- Social Insurance Supplement Rider (SIS) provides an additional benefit amount. 一旦SIS福利被批准,你的残疾福利金额将按比例减少.
- 5 Year and to Age 67 Own-Occupation 选项,改变索赔的资格,使其特定于你的职业(如果你能做另一份工作), you would still get the benefit).
Disability insurance for the self employed
Planning, strategizing 当你有自己的生意或自雇时,降低风险尤为重要. 残疾pp王者电子官网是一个特别重要的工具,以减轻风险的人拥有 small businesses and are self-employed. 负担得起的伤残pp王者电子官网也可以保护企业. Discuss with your State Farm® 代理如果发生致残伤害或疾病,您需要支付的费用和其他经济义务
为了帮助您了解各种pp王者电子官网及其选择, talk to a State Farm agent today.