短期vs. 长期伤残大发888dafa
如果你明天受伤了——比如说, from a car accident or falling down the stairs—could you afford not to work? 从暂时残疾到慢性疾病, short- and long-term disability insurance can offer crucial financial assistance amidst an emergency or life-altering change.
But what's the difference between the two, and when should you expect to need one over the other? 我们在下面列出了不同之处.
短期和. 长期
就像听起来的那样, the primary difference between short-term and long-term disability is the time frame. Short-term disability has a waiting period of 0 to 14 days and may continue for a maximum of two years. Long-term disability has a longer waiting period—which could mean weeks or months without pay—but could provide income until you retire.1
It's important to understand the coverage and price differences of these policies as well as how the payouts work.
短期残疾是如何工作的?
万一你残疾了, short-term disability will typically kick in faster than long-term disability.
这类大发888dafa涵盖常见事件，包括:
- 受伤(如手臂或腿骨折)
- Surgery to repair a knee joint that incapacitates you for a few weeks
- 新妈妈的产假
长期残疾是如何工作的?
Long-term disability typically begins to pay after a substantial waiting period, 通常是90天到一年. This type of insurance is meant to cover injuries or events with a longer recovery horizon. 取决于你受伤的程度, you could collect long-term disability benefits for anywhere from two years until retirement.2
Common reasons people receive payouts under long-term disability include:
- 关节或背部疼痛和肌肉紊乱
- 严重的疾病，如心脏病、癌症或中风
- 精神疾病
使用两种类型的大发888dafa
Many people try to save money by choosing one type of insurance or the other. 然而, it is possible to incorporate both short-term and long-term disability insurance into your protection strategy if you're looking for fuller coverage.
Some employers offer short- and long-term disability as part of their benefits packages. In many cases, short-term disability covers you until you become eligible for long-term disability. 你通常有几个选择, 基于保费和支出, 保费越高，赔付就越高. Leaving a gap between these two coverages can drain your savings or cause you to take on debt.
If your employer offers one or both options, consider the best way to utilize your benefits. 然后, talk to an experienced insurance agent or financial professional regarding how a private policy could help you fill in the gaps.
典型的保费和支出
Disability coverage varies depending on the insurance company and a number of other factors. It's important to fully understand what you get for the premium you choose—as well as what you give up by selecting a lower premium.
短期残疾可以弥补高达80%的收入损失, and long-term policies often cover about 60 percent of lost income. You can consider all the options presented under your policy to get the maximum coverage you can afford. 一位知识渊博的顾问可以使这个过程不那么令人困惑.3
影响保费的因素
The primary influencers of your premium amount include the benefit period, 大发888dafa金额, 还有大发888dafa生效前的等待期. 其他决定保费的因素包括:
- 年龄
- 健康
- 位置
- 占领
- 附加功能
You may want to budget one to three percent of your annual salary if you want to obtain moderate disability coverage. 如果两种大发888dafa都不可行的话, 考虑使长期残疾具有吸引力的因素, 比如长寿, 以及使短期残疾具有吸引力的因素, 比如更高的覆盖率和更短的等待时间. Use the information provided by your research and trusted advisors to make a decision that works for your family.
Determine how much, if any, short-term and long-term insurance your employer may offer. 然后, supplement any gaps in coverage with private coverage as needed. Layering short-term and long-term disability can help you maintain your lifestyle while you heal.
Seeking out an insurance professional who can explain the policy options available may be beneficial for making the right decision. 如果你结婚了, discuss how the various options could impact your family before making a final decision.
1. 3.org, 2022
2. Investopedia.2021年5月30日
3. Investopedia.2021年5月30日
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