残疾和你的财务状况
The Social Security Disability 大发888dafa program paid out over $140 billion in benefits in 2021. 而且每年都有新的申请者, the system is expected to exhaust its reserves at the end of 2034 if changes aren’t made.1,2
Rather than depending on a government program to protect their income in the event of a disability, many individuals prefer to protect themselves with personal disability insurance.3
Disability insurance provides protection by replacing a portion of your income, 通常高达60%, if you become disabled as a result of an injury or illness. This type of insurance may have considerable benefits since a disability can be a two-fold financial problem. Those who become disabled often find they are unable to work and are also saddled with unexpected medical expenses.4
员工薪酬怎么样?
Many people think of workers compensation as a disability safety net. But workers compensation pays benefits only to individuals who become disabled while at work. If your disability is the result of a car accident or other off-the-job activity, you may not qualify for workers compensation.
即使有工人补偿, each state makes its own rules about payment and benefits, 所以覆盖范围可能会有很大差异. You might consider finding out what your state offers and plan to supplement coverage on your own, 如果有必要的话, especially if you have a high-risk profession. 同样的, if you have an active lifestyle that puts you at a higher risk of disability, considering an extra layer of protection may be a sound financial decision.
如果你残疾了, personal disability insurance can be structured to pay a benefit weekly or monthly. And benefits may not be taxable if you have paid the premiums in full with after-tax dollars.4,5
When you purchase a policy, you may be able to tailor coverage to suit your needs. For example, you might be able to adjust benefits or elimination periods. You might opt for comprehensive protection or decide to define coverage more specifically. Some policies also offer partial disability coverage, 生活成本调整, 剩余的好处, 幸存者的好处, 还有养老金补充. Since coverage is designed to replace income, many people choose to purchase protection only during their working years.
Even as changes are made to federal disability programs, they typically provide only modest supplemental income, 排位赛可能很困难. If you don't want to rely solely on Uncle Sam in the event of an unforeseen accident or illness, disability insurance may be a sound way to protect your income and savings.
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According to the most recent data available, about 19.1 percent of working-age disabled Americans are employed.
资料来源:美国劳工统计局.政府,2022
1. SSA.政府,2022
2. SSA.政府,2022
3. Disability insurance is issued by participating insurance companies. Not all policy types and product features are available in all states. Any obligations are dependent on the ability of the issuing insurance company to continue making claim payments.
4. Investopedia.com, 2022
5. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Federal and state laws and regulations are subject to change, which would have an impact on after-tax investment returns. Please consult a professional with legal or tax experience for specific information regarding your individual situation.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. 消费品套件 is not affiliated with the named 经纪自营商, 在州或证券交易委员会注册 投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权 消费品套件.
