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Comprehensive
Insurance Directory.
Got disability
insurance? - Work & Wealth - Brief Article |
Q What if you suffer an off-the-job
injury? How would you cover living expenses if your income stops
and you exhaust your savings and investments?
Many large employers offer group disability-insurance plans
that usually replace 40 to 60 percent of your after-tax income.
If your job doesn't offer DI, or if you're self-employed, consider
buying such coverage from a private insurer."Half of us
will experience a long-term disability (90 days or longer) at
least once in our lives," say Christopher R. Jarvis and
David B. Mandell, authors of Wealth Protection: Build and Preserve
Your Financial Fortress (John Wiley & Sons).
"The probability of its occurring before age 65 is 50 percent
for someone age 35," they add.The key is to figure out
how much insurance you'll need and how long you'll need it.
(Visit 4disabilityinsurancequotes.com/popup-calculator.htm.)
Financial advisers recommend a long-term-disability insurance
policy that provides benefits up to age 65.
If you have enough money to support yourself for a while after
a disability, you can keep premiums low by getting a policy
with a longer waiting period (the time you must be disabled
before the insurance company pays benefits).Insurance companies
usually require a medical exam, which can include a blood-pressure
reading, blood and urine samples, and weight measurement. The
exam can be performed by a medical doctor or licensed paramedical
in your home. To learn more, visit the Health Insurance Association
of America at hiaa.org or check with your state's insurance
bureau.
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