残疾大发888dafa:谁应该拥有它?

Two thirds of the private sector workforce are not covered by long-term disability insurance. This is concerning considering that over one quarter of workers in their twenties will face a disability prior to age 67.¹

残疾会影响你挣钱的能力. Given the risk of becoming disabled at some point during your prime working years, it's important to consider the role that disability insurance can play in replacing lost wages and earnings.

获得伤残大发888dafa的三种方法

Traditionally, many workers obtain disability insurance in one of three ways:

• 社会保障残疾大发888dafa(SSDI): 6的一部分.2 percent in FICA withholding that you and your employer pay for Social Security benefits.²
• Group disability benefits: An employee benefit providing short-term (typically 30 days, 13周, 或长达12个月)和/或长期(2个月), 五个, or 10 years or to age 65) benefits for non-job-related disabilities (disabilities resulting from job-related activities are covered under workers' compensation insurance).
• 个人伤残大发888dafa:你可以购买的伤害大发888dafa, 疾病, 或者工作中或下班后可能发生的疾病.

社会保障及伤残大发888dafa(SSDI)

Many people look to SSDI benefits for a way to meet their income needs when a disability occurs. SSDI pays benefits to those considered insured (those who have met the qualifications based on work and paying into the Social Security system). You are considered disabled if you are unable to perform the principal duties of the work you are trained for by experience or education and unable to perform any other job or duty. 另外, you must be expected to die or the condition must be expected to last 12 months or more as a result of the disability.³

Data provided by the Social Security Administration has shown that of the disability claims made, 大约45%的人获得了批准. 应该明白，一旦福利得到批准, there is an additional 五个-month waiting period before the benefits are paid to you. You do not receive disability payments for the period of time you wait to be approved or for the 五个-month waiting period.^4,5

团体伤残津贴

One way to avoid the issue of waiting on SSDI benefits is to utilize the group benefits offered by your employer.

Group benefits can fill the income gap that exists while you wait on SSDI benefits. 值得注意的是, 然而, that your disability must have originated while you were not on the job; remember, 工伤事故通过工伤赔偿处理. 也, the extent your employer pays for the benefits means that part or all of the benefits you receive become taxable, 进一步减少你在残疾期间收到的收入.

个人伤残大发888dafa

Individual disability insurance is coverage that you purchase to meet the challenge of earning an income in the event that you become disabled. Most policies will cover you regardless of whether the disability occurred on or off the job. 另外, the definition of disability in most individual policies tends to be broader than that used for SSDI.

Many policies will pay if you are unable to perform the principal duties of the work you are trained to do and may continue to pay reduced benefits if you are able to return to other work or if you are partially disabled but able to return to work.

因为你付了大发888dafa费, 这些福利通常是免税的, 让你保留更多的福利. A policy pays a portion of your monthly income up to a stated percentage (such as 60, 67, 或者70%, 取决于大发888dafa公司). The reason you do not receive 100 percent of your income is because the policy is designed to prevent against "malingering," which refers to the disincentive to recover from an injury or disability and return to work because the benefits you receive are the same as or more than you earn by working.⁶

谁应该拥有伤残大发888dafa?

The probability of becoming disabled during your lifetime before reaching age 67 is enough for you to give serious consideration to owning disability insurance. 如果你很幸运地为一个提供这种福利的雇主工作, 好好利用这个机会对你有利. 理解, 然而, that this may not be enough to provide you with the income you need to meet your financial obligations while disabled.

如果你没有团体福利, the cost of individual coverage may be a worthwhile expense to protect your income. An accident at or away from work can leave you without the ability to provide for yourself or your family. 残疾大发888dafa可以帮助你防范这种风险.

1. SSA.政府,2022
2. 国税局.政府,2022
3. SSA.政府,2022
4. SSA.政府,2021
5. SSA.政府,2022
6. Investopedia.2022年3月14日

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