262253 1786 Business & Finance Insurance General Insurance true Mon, 05 Oct 2009 13:47:29 -0700 disability, injury, sick, ill, insurance, health, law, plan, contract, rate, payment, expenses, money, physician, doctor, company How To Buy Long-Term Disability Insurance http://www.howcast.com/videos/262253-How-To-Buy-LongTerm-Disability-Insurance http://www.howcast.com/videos/262253-How-To-Buy-LongTerm-Disability-Insurance/edit approved 0 ShannonH http://img.howcast.com/images/icons/howto-xxlarge.png 55 98998 1 0 Step Determine how much you'll need Consider how much money you’ll need to pay your bills if you can’t work due to an injury or illness. Long-term disability insurance typically pays 50 to 70 percent of your salary. Your salary is set when you buy the policy, but you can increase the value of the plan if your income rises.

]]> 98999 2 0 Step Check with your employer Ask your employer if you already have long-term disability insurance as part of your company’s benefits package and, if so, how much it would pay you if you couldn’t work. Disability benefits are tax free if you pay the premium, but are taxed if your employer pays.

]]> 99000 3 0 Tip You may be able to purchase extra coverage through the same insurance company that manages your group plan.

]]> 99001 4 0 Step Pick a time frame Decide if you want a policy that pays out for five or 10 years, or one that pays until you’re 65.

]]> 99002 5 0 Tip Get a lower rate by taking the longest waiting period – the time you have to wait before benefits kick in – that you can afford.

]]> 99003 6 0 Step Weigh your options Weigh your options. Some policies are guaranteed renewable, which means the insurer can’t drop you as long as you pay your premium. Others are noncancelable, which means your premium can never go up. Also consider a cost-of-living option, which adjusts your benefits for inflation.

]]> 99004 7 0 Tip Consider “own-occupation” coverage, which pays benefits until you’re able to return to the same position you had, rather than just any job.

]]> 99005 8 0 Step Check out companies Check with your state’s department of insurance to make sure that any company you’re considering is licensed and doesn’t have complaints against it. And check the company’s financial soundness through a service like Standard & Poor’s or Moody’s.

]]> 99006 9 0 Step Compare rates Get rates from several companies; just make sure you’re comparing quotes for similar policies. You can buy disability insurance through a broker, insurance agent, or financial adviser. In most cases, you’ll need to undergo a physical exam.

]]> 99007 10 0 Fact Did you know?
About one third of workers over age 35 will become disabled for over three months sometime before retirement.

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130 http://media.howcast.com/system/videos/2/26/43/11/114326.flv DIY, Instructional, tutorial, Do It Yourself, Tips, Essential Skills, Learn to, business, work, workplace Business & Finance Management & Business Skills Managing Employees 2 http://img.howcast.com/system/thumbnails/114326/Picture_3_xxlarge_maintained_aspect.png http://www.howcast.com/videos/114326-How-To-Micromanage-Like-a-Real-Ass 42 204102 How To Write a Letter Of Reference AssignmentGuide 503 Wed, 15 Jul 2009 10:33:02 -0700 5 downpourpro ]]> 94 http://media.howcast.com/system/videos/3/02/41/20/204102.flv reference, letter, write, learn, business, business skills, managing, employees, employee Business & Finance Management & Business Skills Managing Employees 1 http://img.howcast.com/system/thumbnails/204102/Picture_3_xxlarge_maintained_aspect.png http://www.howcast.com/videos/204102-How-To-Write-a-Letter-Of-Reference 44 217966 How To Give an Effective Business Presentation AssignmentGuide 591 Fri, 23 Oct 2009 08:32:16 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