个人需要残疾pp王者电子官网

Many people believe that their biggest asset is their home. For most of us, our biggest asset is the ability to work and earn an income. Not being able to work – due to a job loss or a disability having taken away the ability to work – is often financially devastating.

Everyone who works for a living is familiar with what can happen if they lose their job. On the other hand, the possibility of a serious disability is a risk few seem to consider. How likely is that you will become seriously disabled? 根据一项研究, 30% of all Americans between the ages of 35 and 65 suffered a disability lasting at least 90 days.¹ 风险是真实存在的. 问题是，“该怎么办??"

不要指望社会保障

A few individuals do manage to qualify for disability benefits from Social 安全. However, the Social 安全 definition of "disability" is so strict that, in 2020, only 33.8% of initial worker claims for Social 安全 disability benefits were accepted.² Obviously, something else beyond Social 安全 is needed.

团体伤残pp王者电子官网

许多雇主会提供或提供 残障pp王者电子官网 以小组为基础. However, even those who are covered by a group policy can still be at substantial risk. Employer-sponsored disability policies seldom replace more than 60% of your monthly salary. 进一步, many policies have a monthly maximum benefit that may be far less than what some people earn. Income taxes can also be an issue; if the 雇主 支付pp王者电子官网的全部费用吗, 而且不包括在雇员的收入中, 残疾津贴是完全应纳税的. 如果一个 员工 pays for 残障pp王者电子官网 with after-tax dollars, the benefits are received free of income tax.³

个人伤残收入pp王者电子官网

If group coverage is not available, the solution may be 个人伤残收入pp王者电子官网. 尽管个人保单可能会花费更多, as long as you pay the premiums with after-tax dollars, 这些福利是免税的. Plus, an individual policy allows you to tailor its terms to fit your own needs. When shopping for an individual disability policy, consider the following:

• 公司优势: You need to know if the company is financially sound.
• 残疾的定义: Look for a policy that defines disability in the broadest terms possible. Some policies will permit you to work in a different occupation and still collect disability benefits.
• 消除周期: How long must you wait before disability payments begin?
• 受益期: 你需要多长时间的pp王者电子官网? Both short-term and long-term disability benefits are available.
• 通货膨胀保护: Try to find a policy that adjusts benefits for inflation.

¹ Based upon the 1985 Commissioners' Individual Disability Table.
² Annual Statistical Report on the Social 安全 残障pp王者电子官网 Program, 2021, October 2022. 表61, 初级裁判一级的医疗决定, 按申请年份和项目划分, all decisions; workers in 2020.
³ The discussion 在这里 concerns federal income tax law only. 州或地方法律可能有所不同.