Tuesday, November 23, 2010
We all know how important typical health insurance, but did you know that disability insurance is so important? If you are injured at work and can not work, disability insurance give you peace of mind is still able to feed his family. Although we think we want to work more safely, so accidents happen and we must be sure you have all angles covered for accidents. If you are sick or injured at work and will not work again, there are several options to replace lost revenue. This kind of disability insurance not completely replace your income, and we want you to be an incentive be back to work when you are healthy. Social security benefits paid to you if your disability is expected to last at least 12 months. Most of the time when there may be no work and should stay away from work for the duration of the permit. Disability is paid by the employer is required by most states in the United States. This type of disability insurance is deducted from wages and, in the case of an accident. If you look, the disability insurance policy, it is important to understand what they mean. While the two policy options for people with disabilities, both cover a different period covered, and if you begin to receive compensation. A disability policy in the short term means it will be covered by more than 2 years. With this policy you must wait 14 days before the start of the compensation received. A policy of long-term disability is a little different. The disability compensation will not be for weeks, sometimes months begin. However, long term disability covers you for a longer period, sometimes for the rest of his life. In addition to the two types of insurance, there are also two different protection features. Protection is offered to ensure that they do not unfairly treated because of their disability. Non-cancelable means that for some other reason can not pay their premiums on the policy canceled. With this type of policy based on the first lock and not risk a reduction in benefits. On the other hand, a guaranteed renewable policy, the same services are available each year. The only way your premium increases that all policyholders within the same rating class as you too. Although there are many options for disability insurance and to choose, they are the most popular choice. It is important to discuss all options when choosing a disability insurance policy to ensure that you know what you get in an accident or illness. Explore your options to find the best solution for you and your family.