By Laura D. Cooper
Readers will methods to check assurance techniques — together with lifestyles, incapacity, healthiness, and long term care — from a brand new point of view. they're going to observe that they do have innovations for trustworthy coverage and eventually monetary protection. Cooper bargains functional recommendation on discovering assurance, comparing its assurance, and fending off pitfalls.
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If you pay the premium out of your own pocket the policy proceeds are nontaxable. If your employer pays, then all proceeds are taxable as ordinary income. Net Benefit/Percentage of Current Monthly Income: This provision requires a calculation. You must first determine your monthly income using your household budget. Then calculate the ratio of the net monthly disability benefit (after offsets) to your own monthly income. For example, if you typically receive monthly income of $5,000 after taxes and your disability income net benefit (after taxes) is $2,500, per month, it represents 50% of your monthly income.
35 and Rider, p. 45 Item G from schedule, p. 34 Yes Max 6% 2 months 60–75 depending on age of onset Item C from schedule, p. 34 N/A Coverage is portable Item H Quote from p. 37 “Your Occupation” N/A Item I from Residual disability benefit provision, p. 44 Tied to Consumer Price Index (see Rider, p. 45) 20%–30% income loss coverage 01. EXERCISE 1 (028-046) 7/9/02 3:46 PM Page 33 EXERCISE 1 Ⅲ CATALOG YOUR PRESENT INSURANCE COVERAGE 33 Disability Insurance Policy Imaged Example (continued) D 01. EXERCISE 34 1 (028-046) 7/9/02 3:46 PM Page 34 EXERCISE 1 Ⅲ CATALOG YOUR PRESENT INSURANCE COVERAGE Disability Insurance Policy Imaged Example (continued) A G C 01.
EXERCISE 34 1 (028-046) 7/9/02 3:46 PM Page 34 EXERCISE 1 Ⅲ CATALOG YOUR PRESENT INSURANCE COVERAGE Disability Insurance Policy Imaged Example (continued) A G C 01. EXERCISE 1 (028-046) 7/9/02 3:46 PM Page 35 EXERCISE 1 Ⅲ CATALOG YOUR PRESENT INSURANCE COVERAGE 35 Disability Insurance Policy Imaged Example (continued) E F 01. EXERCISE 36 1 (028-046) 7/9/02 3:46 PM Page 36 EXERCISE 1 Ⅲ CATALOG YOUR PRESENT INSURANCE COVERAGE Disability Insurance Policy Imaged Example (continued) 01. EXERCISE 1 (028-046) 7/9/02 3:46 PM Page 37 EXERCISE 1 Ⅲ CATALOG YOUR PRESENT INSURANCE COVERAGE Disability Insurance Policy Imaged Example (continued) H 37 01.