什么是个人伤残收入pp王者电子官网?
所提供的
T在这里 are many factors to take into account when considering an Individual Disability Income Policy.
One approach to the problem of providing income during an extended period of disability is to 购买个人伤残收入pp王者电子官网.
在残疾政策中要寻找什么
- 残疾的定义: 是教育, experience and past earnings taken into account in determining whether the insured is qualified to resume work? 许多政策规定了最初的“自己的职业”1 残疾的定义, 在一段指定的时间内, after which a diffe租金 残疾的定义 applies.
- 部分或剩余利益: Partial or residual disability benefits may be paid in some policies when the impairment allows the insured to perform only a portion of his or her duties. This provision may also pay benefits in the event the disability reduces the insured's income by a certain amount (e.g. 20%或更多).
- 生活费调整: Is t在这里 a cost of living adjustment (COLA) which would increase benefit payments after a disability occurs?
- 保单的可取消性及可续期性: Except for nonpayment of premiums, is the policy noncancelable or guaranteed renewable? Noncancelable generally means the insurer cannot cancel the policy, change the policy provisions or increase policy premiums after issue, 只要保费及时支付. Guaranteed renewable is similar, but allows the insurance company to increase the premium.
- 等待和淘汰期: Is the waiting or "elimination"period proper for the insured's circumstances? Commonly available periods may include 30, 60, 90, 180 and 360 days. 自然, 选择的淘汰周期越长, 他或她的保费支付就越低. 然而, 一个人的需要, cash reserves and income sources should be the deciding factors in selecting a proper elimination/waiting period.
- 受益期: 应该选择什么福利期? Since a long-term medical disability can be financially devastating, one should elect a 长远利益 在可能的情况下. 有些公司提供终身福利, but periods as short as 24 months to 60 months are also available.
残疾合同的种类
Several other specialized disability contracts are available to the businessperson:
- 业务间接费用: 支付员工工资等费用, 租金, 电话, 公用事业公司, malpractice insurance and other expenses necessary to keep a business open.
- 重点人员残疾: Reimburses the business for the loss of a key employee and allows funding of temporary replacement or training of a successor.
- 残疾收购: Provides income to fund a buy-sell agreement triggered by the total disability of a shareholder/business owner. Payouts may come in the form of a lump sum, monthly installments or a combination of the two.
警告: Highly-compensated employees should be aware of payment caps in many group long-term disability policies. While some programs will provide disability income payments at 60% or 66% of salary, 许多银行的美元上限相对较低, 比如3美元,000 /月.
注意: 国营农场® does not offer Business overhead expense or Disability buyout insurance.
1 "Own occupation" generally means the insured's cur租金 occupation. The own occupation 残疾的定义 may not be available for all occupations or professions.
