Utano hwekuremara kwenguva refu hunochengetedza mari yako uye hukubatsira iwe kupa mhuri yako kwenguva yakareba (yakapfuura mwedzi mitanhatu) inofanirwa kuitika uye iwe unogona kuvhiringidzwa zvachose.
Disability Insurance Policy
Utano hwehutano hwehutano hwakawanda hwakafanana uye hunopesana nevamwe nemupi wese. Kune maviri maitiro ehutano hwehutano hwehurema: Short-Term Disability (STD) uye Long-Term Disability (LTD). Zvikamu zvinokosha kune inshuwarisi yehutano ndeyekuti:
- Nguva Yokuparadzanisa: Iyi ndiyo nguva yaunofanira kuve yakagadziriswa usati wagona kubvunza uye unowana kubhadhara kubatsiro. Panzvimbo yekubhadhara deductible sezvaunenge uchida nemotokari / imba yveshuwarisi, une nguva yekumirira kana kupedza . Nguva yekudzima ichasiyana maererano nehutano hwehurema hwehurema uye inopa inshuwarisi.
- Chikoro Chekushanda: Chikoro chebasa chinoshandiswa neishuwarisi underwriters kuti uone mari yako yehushandi yehushandi inotarirwa nebasa rako. Mamwe mabasa ane njodzi dzakakwirira kune dzimwe uye anoda chikamu chepamusoro chemishuwarenzi. Premium inotarisana nebasa rehutano ichasiyana nekupa.
- Nhungamiro Tsanangudzo: Tsanangudzo yemitemo inotsanangura mazwi anoshandiswa mumutemo, vatasviki (kuwedzerwa kuwedzerwa kuwedzerwa kumutemo kuburikidza nekubvumirwa uye kubhadhara mari yepamusoro), uye kukasiyana kwakasiyana kwekuremara kwakafanana nesvom yako (haikwanisi kuita mabasa emabasa ako chaiyo) kana chero upi zvapi (asingakwanisi kuita mabasa chero basa ripi raunokwanisa kuita).
- Batsiro Inobatsira: Mubairo wekubatsirwa iwe unofanirwa kugamuchira kana iwe une chikonzero kune imwe yepamuviri yemari yako. Zvichienderana nekutaura kwako, rubatsiro rwekuremara hungave rusina mutero.
- Bhuku Rinobatsira: Nguva inobvumirwa kubhadharwa inguva yaunogona kutarisira kugamuchira inshurensi yekuremara. Izvi zvichasiyana zvichienderana nehuwandu hwematongerwo enyika. Kuremara kwemazuva mazhinji kunogona kupedzisira kusvikira nguva yekurega basa uye kuremara kwenguva pfupi kunotora nguva shomanana, kazhinji kubva pamwedzi mishoma kusvika kumakore mashomanana.
- Simba Riders: Mutungamiri wemitemo ndiyo kugoverwa kunowedzerwa kune premium yawedzerwa. Mimwe mikana yevashandi vanoita zvekuremara inosanganisira Inflation Guard (inodzivirira zvikomborero zvako zvinopesana nehupfumi), Mental Nervous (unogona kuderedza mubayiro wako nekudzivirira zvirevo zvehutano hwepfungwa / hwepfungwa); Njodzi Chiremba Rider (inowedzera chinyorwa chokubhadhara mari yezvokurapa inokonzerwa nenjodzi). Kune dzimwe dzakawanda mhando dzevatasvi vanozosiyana-siyana maererano nemhando yehutano hwehurema iwe unawo uye inshuwarisi yako.
Disability Insurance Providers
Hapana munhu anotarisira kutarisira inshurensi yekuremara asi kana zuva iroro richiuya, rinokwereta kuziva zvaunogona kuita. Heano zvimwe zvevanonyanya kupa vhutano hwekuremara pamusika nhasi.
Zvose zvemakambani aya ane simba rakanaka rekubhadhara mari kubva kumisangano yehushuwarisi yakadai sa AM Best .
1. Mukuru Wezvemari Makambani ave ari mubhizinesi kubva muna 1879 uye ane simba rezvemari re "A +" Superior kubva kuna AM Best Principal inopa inshuwarisi yekuremara kwenguva refu kusvika pamadhora makumi maviri emakumi maviri ehurwere hwekuremara. Nzvimbo yekugara yakakodzera inobhadhara mari yekugadzirisa panzvimbo yako yebasa kuti ikubatsire kudzokera kubasa. Kukurumidza kubhadhara kunowanikwa kana uine chirwere chinopera. Inishuwarenzi yekuremara kwenguva pfupi inowanika kune vose vasina kukwana uye kukwana zvachose. Zvose zvenguva pfupi uye kwenguva refu mazano anowanikwa kumapoka evashandi. Vatungamiri vehurongwa vanowanika pakuvhara vana pamuviri, kupona kupona uye kusaremara kwakabatana.
2. Guardian Life yakatangwa muna 1860 uye ine "A ++" Superior rating kubva kuna AM Best uye inopa hune marudzi ehutano inshuwarhu.
Mupi wezvimwe zvinosarudzwa anopa mumwe munhu wehutano hwehutano hwekuremara kwenguva yakareba "ye" occ "tsanangudzo yekuremara kwakakwana. Iwe unogona kusarudza nguva yekubatsira 2, 5, kana makore gumi kusvikira kune makore 65-67 zvichienderana nebasa rako rechikoro. Mudziviriri wechikwereti anotarisira chikwereti uye anoshaya rubatsiro mutsigiri anowanikwa.
3. Hartford yakatangwa muna 1810 uye inonzi "A" na AM Best. Inishuwarenzi yeHarare inowanikwa kune vashandi kune inshumbisi yakareba kwenguva refu uye yemazuva mashoma. Kuvharidza kwenguva refu kwekuremara kuburikidza neurongwa hwevashandirwi hunopa ruzivo rwekudzidzira nekuvandudza mararamiro, chikwereti chekuchengetedza mhuri uye kubasa kunoshandiswa kwebasa. Zvikomborero zvakasarudzwa zviripo kune vashandi venguva yakareba vanodzokera kubasa. Kuvhara kwemazuva mashoma kwekuremara kuburikidza nevanoshandira kubhadhara kunopa zvikwereti zvinosvika ku $ 2,000 pavhiki pasina huripo huripo huripo huripo. Kushanda nesimba uye vashandi venguva yakazara vakakodzera kugoverwa. Kutsigirwa kunowanikwa mune zvepfungwa, zvepamutemo uye zvemari pamwe nevanyanzvi vanobatsira vanogona kugadzirisa kurapwa kwezvechiremba uye mibvunzo yemhosva. Kutsigirwa kunopiwa pasina mari yakawedzerwa kumushandi kana kumushandi.
4. MetLife inozivikanwa nekuda kwehutano hwehutano hwehurema uye ine "A +" Kuwedzera kwepamusoro kubva kuna AM Best. Inopa zvitatu zvehutano hwehutano hwehurema: (1) MetLife Income Guard: Zvokusarudza zvevatariri nevashandi vezvokurapa nezvikomborero zvinoshandiswa. (2) OMNI Zvidimbu: Kuvharidzirwa kwemari yakawanda iyo inogadziriswa uye inofanirwa kune vashandi vezvematongerwo enyika mubhajheji. Ichi chinyorwa hachiwaniki muCalifornia. (3) Mupiro Wemari-CA Chete: Chirongwa chevatengi muC CA kuvashandi vezvechiremba uye vatariri. Vatungamiri vezano vanogona kuwedzera kugoverwa kwekuchengetwa kwechipatara kunobhadhara kusvika $ 500 pazuva; Kungoita Mari Inoshandiswa Kwemishonga Mutengi anokwereta $ 1 000- $ 5,000 pamari ipi zvayo yezvechiremba mushure mengozi, Kudzoka kweZvibatsiro Rider inosarudzo yekugamuchira zvakare premium risina kushandiswa uye Social Insurance Supplement Rider anoripa zvimwe zvikwereti kumunhu ane mutemo uyo asina kukodzera kubhadhara vashandi kana kuchengetedzwa kwehupfumi hwevanhu .
5. Assure Life Life Company inopa zvirongwa zvakasiyana-siyana zvehutano hwehurema kune dzimwe nyika (New York mitemo inonyorwa neAassure Life Insurance Company yeNew York). Iyo kambani ine "A ++" Superior rating kubva kuna AM Best. Inishuwarenzi yeHarare kuburikidza nekugadziriswa kunovimbiswa kuvandudzwa kuva nemakore makumi matanhatu nemakumi matanhatu uye zvikomborero zvinopiwa nokuda kwekuremara kwechikamu uye chakakwana. Zvikanganiso uye zvingabvumirwa zvinogona kushanda kumagariro anobatsira. Zvirongwa zvekuremara zvinowanika kuburikidza nemapurogiramu ega ega uye eboka kune vashandi. Kubatsira nguva kana kuti 1, 2, 5, kana makore 10 kusvika kune makore 65-67 uye zvinotsigirwa zvekare. Mishonga yekugadzirisa zvinyorwa, kupona kunobatsira uye kubatsirwa kwekugadzirisa zvemhizha kunowanikwa mumutemo. Kuwedzera kugoverwa kunogona kuwedzerwa nemutungamiri wenhepfenyuro yekutsvaga kubhadhara kubhadhara, njodzi yekuremara kubatsirwa, kuvimbiswa kwekuchengetedzwa uye kurwara kwakanyanya.
6. Riversource yave iri mubhizinesi kubvira muna 1894 uye ine "A +" kutarisirwa kwemari kubva kuna AM Best. Zvirongwa zviviri zvekuchengetedza mari zvinowanika kuburikidza neRwiziSource, Income Protection uye Income Protection Plus . Zvirongwa zvose izvi zvinopa mubhadharo wemubhadharo wemwedzi usingabhadharwi. Bhuku rinochengetedzwa rinovimbiswa kusvika kune makore makumi matanhatu nemashanu. Mari yekukwira kune munhu anorarama inowedzera chinyorwa kuti ikudzivirire iwe kurwisana nemari-yekugara inowedzera.
7. Kuwirirana kweOmaha ndeimwe yemazita anozivikanwa zvikuru mu inshuwarisi. Iyo kambani i "A +" Superior yakarongwa ne AM Best uye inopa inshuwarisi yekuremara kwenguva refu uye kwenguva pfupi. Nhepfenyuro yenguva pfupi inowanikwa kwemakore 18-61 ane $ 5,000 mwedzi mizhinji inobatsira uye inogadziriswa patsva kuburikidza nezera remakore 67. Kuwanika kunowanika kune makirasi akawanda emabasa uye mutasvi webato anogona kuwedzerwa kuwedzera "own occ" tsanangudzo yemutemo nguva yako yekubatsira. Kuremara kwenguva refu kunowanikwa kwemakore 18-61 uye kunovimbiswa kuti inogona kudzorerwa kuva nemakore 67 ne $ 12,000 pamwedzi wepamwedzi kubatsirwa. Occupational benefit definitions inogona kuwedzerwa nemitemo yevatasvi.
8. Ameritas Life Insurance Company yakange iri mubhizinesi kubvira muna 1887 uye ine "A" Yakanaka yekusimba simba kubva kuna AM Best. Iyo kambani inopa mazano emakore mazhinji uye kwenguva pfupi ekuremara kwemazuva maviri, makore mashanu kana gumi nemakore makumi matanhatu nematanhatu. Mitemo inotsigirwa kuti inogona kudzorerwa zvakare uye ine hutano hwakanaka hunobatsira hunoiswa mukati memutemo unoderedza nguva yekudarika kwemazuva maviri gore roga roga iwe uri kuda-kusununguka. Zvimwe zvakagadzirwa muzvikwereti zvinosanganisira, kurega kubhadharwa nekukumbira kubvumirwa, kushandiswa kwekuvhima mushure mekunge mwedzi mitanhatu, kuporesa kwekuremara (kuremara pamusana pekuita sarudzo) uye kubhadharwa kwepurozimisi dzezvokurapa dzeCOBRA kana iwe usisina kushanda nekuda kwekuremara. Vatasvi vemabhiza vanowanikwa kuti vawane mari yekurarama, hurema hwekuremara, ramangwana rekuwedzera kusarudzwa uye kukuremara kwakagadziridzwa kana iwe uchiri kushanda kubasa rako asi uine kuderedzwa mari nekuda kwekukuvara kana kurwara.