了解有关伤残pp王者电子官网的事实
Understand your coverage options before the unexpected happens.
大多数人从未预料到自己会残疾. But today’s 20-year-olds have a 1-in-4 chance of missing at least a year of work due to 残疾 before they reach retirement age, 根据 残疾意识委员会. In addition, while many think their chances of becoming disabled are slim, the reality is that 26%的美国成年人 残疾人士生活. 残疾和家庭经济是相互交织的.
The causes of 残疾 are as diverse as its duration: 短期内 for an injury that requires a hospital stay, 例如, or long term for recovery from an accident or debilitating illness. 不管是什么原因或长度, a 残疾 has the potential to negatively impact the finances of any family. Here’s what you need to know about the financial impact of disabilities — and what you can do to protect yourself.
什么是伤残pp王者电子官网?
Disability insurance is coverage that replaces part of an employee's income when they are unable to work due to an illness or disabling injury. Disability insurance provides benefits that cover on average up to 员工工资的60%.
伤残pp王者电子官网是如何运作的?
Usually 残疾 insurance is an agreement between you (the policyholder) and an insurance company. You make monthly payments and in the case that you suffer a 残疾 that causes you to not work, pp王者电子官网公司同意按月付款给你. 该政策将解释每月pp王者电子官网费等细节, what is covered and limitations (like performing other types of work), 每月津贴金额及津贴期限.
伤残pp王者电子官网的种类
有两种基本类型的政策: 短期内 残疾和 long term 残疾.
- 短期伤残pp王者电子官网: As the name implies, this type of policy makes up for lost income for six months or less. It typically kicks in after you’ve exhausted other workplace benefits like paid time off and sick leave.
- 长期伤残pp王者电子官网: If your 残疾 lasts longer, you’ll need to move to long term 残疾. 这份pp王者电子官网支付你收入的一部分， 通常是50%到80%, 达到最大值, 工作几年或直到退休, 这取决于你的pp王者电子官网类型
你需要伤残pp王者电子官网吗?
平均每年大约 5%的美国人 会经历六个月或更短的短期残疾. Almost all of these disabilities are non-occupational in origin. Most Americans are nowhere near prepared to face a year without paychecks. 根据一项研究 美国联邦储备理事会(美联储,fed)35%的U.S. adults couldn’t cover an emergency expense of just $400 without going into debt, 向朋友或家人借钱或变卖财产.
残疾和收入
因为医药费而破产
根据 残疾意识委员会, a study of consumer bankruptcy filings showed that more than 77.8% of people filing for bankruptcies cited losing their income as their reason for being bankrupt. And 44.3% of these people stated that they lost their income from work due medical reasons.
社会保障残疾
The Council for 残疾 Awareness also states that a successful 社会保障及伤残pp王者电子官网 索赔可能意味着很长一段时间没有收入, 因为索赔一般需要三到五个月的时间才能得到批准. For 2021, the average yearly benefit was $15,348 (well below the 贫困线 适合两个人的家庭.) At least 51 million working American adults lack any 残疾 insurance other than Social Security coverage.
上班时或自己买
Work-based 残疾 insurance is convenient to purchase and can be quite reasonable in cost. The downside: The coverage may not be portable, and you may have to forfeit it if you change jobs. 根据 U.S. 劳工统计局, only 35% of civilian workers have access to long term 残疾 coverage and only 40% have access to 短期内 残疾 coverage.
An individual 残疾 insurance policy may have more flexibility and give you more options. 不管你换多少份工作，它都不会改变, and you can choose the period of time you want coverage in place.
并非所有政策都适用于每个州. 和你的朋友谈谈。 国营农场® about how to coordinate short and long term policies and protect your income.
