类型的保险

Unexpected events such as illness or disability can result in financial challenges as well. So it's important to understand the basics of health, life, and disability coverage.

在这个页面:

预防成本 with health 保险

Choose a health care policy that matches your needs for coverage, 免赔额, 自付额, 以及对医疗提供者的选择. Take advantage of any employer-provided health benefits.

No matter how much or little coverage your employer offers, you'll likely save money by opting for that coverage versus paying for a policy yourself.

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考虑人寿保险 as part of your financial plan

If you need life 保险, start with your employer's coverage and build from there. Consider outside coverage if your employer's policy is not transferable or if you need additional life 保险.

How much 保险 you may need depends on your savings and investments, 费用(如丧葬费用, 遗产税, 抵押贷款, 债务, 和大学的费用), and how much income your loved ones might need.

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Consider long-term disability 保险

If an accident or illness prevented you from working for more than three months, 你能付得起账单吗? If you can't get short- and long-term disability coverage through work, 考虑个人保险.

你现在可以做什么:

  • Make sure you know what qualifies as a disability under your current plan. Reread your policy or 联系 your plan administrator if you have questions.
  • Confirm that your current policy covers at least 50% of your current income. If it doesn't, consider a private disability policy.
  • 看到 残疾人福利 that are provided by Social Security and learn more from the 残疾意识委员会.

考虑长期护理保险

Long-term care 保险 is designed to help pay the high costs of long-term medical care. It may not be necessary if you have family who could care for you or if you have enough assets to pay for care out-of-pocket. If your net worth is lower, you may qualify for long-term care provided under Medicaid. If you don't fall into either of these categories, then 长期护理保险 may be worth considering.

For those people over age 65 who will spend time in a nursing home (about one in three people), the cost of even a relatively short stay or the need for in-home assistance can be financially burdensome—and the average stay is 2½ years.1

Look for a policy that is guaranteed to be renewable with locked-in premium rates and that's issued by a top-rated company with at least 10 years' experience in the market. Be sure to consider what type of care is covered, 的合格标准, 受益期和淘汰期, 每日最大收益, and whether there is inflation coverage.

你现在可以做什么:

  • 寻求帮助来决定你是否需要 长期护理保险.
  • Be sure any 保险 company you're considering has a top rating.

联系

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