A disability insurance cure
February 11, 2011
A recent column warned of the dangers of disability. It gave some statistics, the most interesting of which stated that disabilities are not often the result of freak accidents or injuries on the job, but rather illnesses like cancer, heart attacks and diabetes. To make a medical analogy, these are the symptoms and the cure is disability insurance. This column is about finding the cure.
The first place to look is through your employer. What are the benefits of buying a policy through your employer? It’s usually cheaper than buying an individual policy, and the underwriting for the policy is usually easier because of the law of large numbers. Often, the company will share the premium expense with you. Lastly, you may be able to pay the premiums through payroll deduction and have part of the premium tax deductible.
Do not do this.
To read the entire column, click here: Neumann: How to buy a disabilty insurance policy The Ridgewood News
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for the individual.
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