1 AMRISH PATEL Financial Advisor 215 S. Dobson Road, Suite# 4 Chandler, AZ Disability Insurance Basics
2 Page 2 of 8 The Fundamentals of Disability Insurance Disability insurance pays benefits when you are unable to earn a living because you are sick or injured. Most disability policies pay you a benefit that replaces a percentage of your earned income when you can't work. Likelihood of Suffering a Disability by Age 50 Why would you need disability insurance? Your chances of being disabled for longer than three months are much greater than your chances of dying prematurely, due in part to medicine that has made many fatal illnesses treatable. (Source: 1985 Commissioner's Individual Disability Table A-- most recent data available.) Although this is good news, it increases your need to protect your income with disability insurance. Consider what might happen if you suffered an injury or illness and couldn't work for days, months, or even years. If you're single, do you have other means of support? If you're married, you may be able to rely on your spouse for income, but you probably also have many financial obligations, such as supporting your children and paying your mortgage. Could your spouse's income support your whole family? In addition, remember that you don't have to be working in a hazardous position to need disability insurance. Accidents happen not only on the job but also at home, and illness can strike anyone. If you own a business, disability insurance can help protect you in several ways. First, you can purchase an individual policy that will protect your own income. You can also purchase key person insurance designed to protect you from the impact that losing an important employee would have on your business. Finally, you can purchase a disability insurance policy that will enable you to buy your partner's business interest in the event that he or she becomes disabled. Source: 1985 Commissioner's Individual Disability Table A (most recent data available) What do you need to know about disability insurance? Once you become disabled and apply for benefits, you have to wait for a certain amount of time after the onset of your disability before you receive benefits. If you are applying for benefits under a private insurance policy, this amount of time (known as the elimination period) ranges from 30 to 365 days, although the most common period is 90 days. Group insurance policies through your employer will generally have a waiting period of no more than 8 days for short-term policies that pay benefits for up to six months, and 90 days for long-term policies that pay benefits up to age 65. You can purchase private disability income insurance policies that offer lifetime coverage, but they are very expensive. Most people buy policies that pay benefits up until age 65; however, two- and five-year benefit periods are also available. Because many injuries or illnesses do not totally disable you, many policies will offer a rider that will pay you a partial benefit if you can work part time and earn some income.
3 Where can you get disability insurance? In general, disability insurance can be split into two types: private insurance (individual or group policies purchased from an insurance company), and government insurance (social insurance provided through state or federal governments). by group policies offered by an employer or association. Check with your employer or professional association to see if you are eligible to participate in a group plan. If not, contact your insurance broker to look into individual coverage. Page 3 of 8 Workers' compensation and Social Security are two well-known government disability insurance programs. In addition, five states (California, Hawaii, New Jersey, New York, and Rhode Island) have mandatory disability insurance programs that provide disability benefits to residents. If you are a civil service worker, a military servicemember, or other federal, state, or local government employee, many disability programs are set up to benefit you. In general, however, government disability insurance programs are designed to provide limited benefits under restrictive terms, and you should not rely on them (as many people mistakenly do) as your main source of income if you are disabled. Private disability insurance refers to disability insurance that you purchase through an insurance company. Many types of private disability insurance exist, including individual disability income policies, group policies, group association policies, and riders attached to life insurance policies. Depending on the type of policy chosen, private disability policies usually offer more comprehensive benefits to insured individuals than social insurance. Individually owned disability income policies may offer the most coverage (at a greater cost), followed In general, disability insurance can be split into two types: private insurance (individual or group policies purchased from an insurance company), and government insurance (social insurance provided through state or federal governments).
4 Page 4 of 8 How Much Disability Income Insurance Should You Have? The amount of individual disability income insurance you should buy depends on three things: how much income you'll need if you become disabled, how much money you can afford to spend on premiums, and how much insurance you'll be able to purchase under the insurance company's guidelines. How Much Disability Insurance Can You Buy? Determine how much income you'll need if you become disabled It's hard to know exactly how much income you'll need after you suffer a disability, but you'll probably need more than you think. Most of your fixed expenses won't change, and you may save money on work-related expenses such as clothing, automobile costs, and lunches out. However, you'll also spend more on other items, including the following: Medical expenses: You can expect your medical expenses to rise when you suffer a disability. Assuming that you have health insurance, you'll probably have to satisfy a deductible as well as an out-of-pocket maximum, which may increase your expenses immediately after your disability occurs. In addition, if you suffer a long-term disability and are forced to quit your job, your group medical insurance coverage may be terminated. If you work for a large enough employer, you may be able to continue coverage on your employer's plan through the government regulation known as COBRA, but you'll have to pay the premium yourself, and the coverage cannot last beyond 18 months in most cases. This can add hundreds of dollars to your budget. You may also need to buy medical equipment or supplies, or even renovate your house to accommodate your disability. Living expenses: What if you can't drive, clean your apartment or house, mow the lawn, or cook for yourself after you become disabled? Will you need to hire household help to take care of day-to-day activities that you can no longer do? Hiring help can be a substantial, unexpected expense when you become disabled. Child-care expenses: If you have young children and both you and your spouse work, you know how expensive child care is. Can you afford it if you or your spouse becomes disabled and unemployed? The disabled partner may be able to care for the children at home, but not if his or her disability is too limiting. On the other hand, if you currently stay at home with your children, you may be forced to return to work if your spouse is disabled, and you may have to contend with an unforeseen additional expense. Find out what disability benefits you're already entitled to You may already be covered by some disability income insurance through your employer. This may be short-term Note: If policy premiums are paid with after-tax dollars, the benefits will be received tax free. Premiums paid with pretax dollars, usually through your employer, may cause the benefits to be taxable when received. coverage, long-term coverage, or both. Short-term coverage pays a weekly benefit, usually after the first day of an accident or the eighth day of an illness, for a period of 13 or 26 weeks. Long-term coverage pays a monthly benefit that begins after the short-term period expires. The benefits are usually paid until age 65. If you have one type only, you should look into buying a private policy for the type of coverage that your employer does not provide. If you have both short-term and long-term coverage, you are probably ineligible to buy any additional coverage, unless your employer's plan limits the maximum benefit to an amount that is less than 60 percent of your annual income. You could depend on getting disability benefits from Social Security, if you pay into the system. However, relying on this type of insurance can be dangerous. Social Security pays benefits only under strict definitions of disability, making it very difficult to qualify. Also, benefits are limited and may not be adequate for your needs. Review the coverage available to you, take a look at the specifics of any group disability policies you already are covered by, then decide whether you need more disability coverage. If you need more disability income insurance, how much should you buy? Once you've decided that you need to buy more disability income insurance, you should aim to cover a significant portion of the income that you will lose if you become disabled. However, you may not be able to buy as much coverage as you want. The insurance company determines the maximum amount of disability income insurance you can purchase, based on your income, health, age, and the amount of other disability benefits you're entitled to. Most companies will sell you insurance that replaces 50 to 70 percent of your monthly pretax earnings (of course, you can opt to buy less than this amount).
5 Page 5 of 8 Social Security Disability Benefits Like most people, you probably don't expect to become disabled. However, you are three times more likely to become disabled due to illness or injury than to die during your earning years. (Source: 1985 Commissioner's Individual Disability Table A.) That's why it's important to know what disability benefits you may be entitled to under Social Security. The Social Security Administration (SSA) administers two programs that pay disability benefits. The Social Security Disability Insurance (SSDI) program pays benefits to qualified individuals who are under age 65, regardless of their income. The Supplemental Security Income (SSI) program pays benefits to qualified individuals with limited income. Only the SSDI program is discussed here. You'll also need sufficient work credits to qualify When you work and pay Social Security taxes, you earn credits that enable you to qualify for Social Security benefits. You can earn up to 4 credits per year, depending on the amount of income that you earn. The number of credits that you need depends on how old you are when you become disabled. For instance, if you're age 31 to 42, you'll need to have earned 20 credits within the last 10 years, ending with the year in which you became disabled. If you're younger than 31, you'll need fewer credits; if you're older than 42, you'll need more. To qualify for benefits, you must meet a strict definition of disability Because the definition of disability that the SSA uses is strict, it's hard to qualify for Social Security disability benefits. To receive benefits as an adult, you must have a physical or mental impairment that has lasted or is expected to last for at least 12 months or is expected to result in your death. Your impairment must also be severe enough to prevent you from performing any "substantial gainful activity" or, in other words, the work that you were doing when you became disabled or any other work. The SSA has a list of impairments that are considered so severe that they automatically define you as disabled. If your condition is not on the list, the SSA must decide if it's severe enough. When determining your ability to work, the SSA will consider your medical condition, age, education, past work experience, and transferable skills. If you're working, the amount of income that you are able to earn also plays a role. If your earnings from work average more than $980 per month (in 2009), you generally won't be considered disabled for Social Security purposes. Special rules and income limits apply if you're blind. Your family members don't need work credits If you qualify for disability benefits, certain family members can also collect monthly disability benefits based on your work record. Eligible family members may include: Your spouse age 62 or older, if married at least one year Your former spouse age 62 or older (if you were married at least 10 years) Your spouse or former spouse of any age, if caring for your child who is under age 16 or disabled Your children under age 18, if unmarried Your children under age 19, if full-time students (through grade 12) or disabled Your children older than 18, if severely disabled Each eligible family member may receive a monthly check equal to as much as 50 percent of your basic benefit. This is in addition to your benefit--your check doesn't get reduced.
6 The amount of money that you'll receive depends on your Social Security earnings record The amount of your monthly disability check is based on your average lifetime earnings. Generally, you'll receive an amount equal to what you would receive were you to begin receiving Social Security retirement benefits at full retirement age. You can review your earnings record and get an estimate of the Social Security disability benefit that you might be eligible to receive by ordering a Social Security Statement from the SSA, either by phone at (800) , in person, or on its website. Or, you can wait for it to come in the mail--you will automatically receive a Social Security Statement from the SSA annually about three months before your birthday if you are age 25 or older and not yet receiving Social Security benefits. Page 6 of 8 there's a five-month waiting period before you'll get your first check. You can file for benefits in person, through the mail, online, or over the telephone. You'll be asked to provide the following information: An original or certified copy of your birth certificate (if you were born in another country, you'll need to provide proof of U.S. citizenship or legal residency) An original or certified copy of your military discharge papers (DD 214) if you were in the military A copy of your W-2 form (or, if self-employed, a copy of your federal tax return for the past year) Workers compensation information, including date of injury, claim number, and payment amount Social Security numbers of your spouse and children Your checking or savings account number Name, address, and phone number of a person who can get in touch with you if necessary Medical and job information, including information about physicians who have treated you, names of medicines you are taking, medical records you have, and jobs you worked in during the 15 years before your disability began Eligibility for other state and federal benefits may affect the amount of your SSDI check. And because the SSA will periodically review your case and decide whether you are still disabled, your disability benefits may stop altogether. This will happen if your medical condition improves to the point that you're no longer considered disabled, or if you are able to earn a substantial amount of money. Finally, once you reach full retirement age, your disability benefits will automatically convert to Social Security retirement benefits (the amount is usually the same). Once your application is complete and has been reviewed by your local Social Security office, it will be sent to the Disability Determination Services (DDS) office in your state. There, the DDS will determine whether you are disabled under Social Security rules. If your claim is approved, you'll receive a letter showing the amount of benefit that you'll receive and when your benefits will begin. If your claim is denied, you'll receive a letter explaining the decision and telling you how to appeal if you don't agree with it. For more information on Social Security disability benefits, visit your local Social Security office, look at publications available on the SSA website, or call the SSA at (800) You should apply for benefits as soon as possible You should apply for benefits at a Social Security office as soon as you become disabled, and it appears that the disability will continue. That's because You should apply for benefits at a Social Security office as soon as you become disabled, and it appears that the disability will continue.
7 Page 7 of 8 Individual/Group Disability Policy Alternatives Policy type Description Conditions Advantages Disadvantages Individual policy A policy you buy through your insurance agent that pays you disability benefits when you are sick or injured You must meet the underwriting criteria set by the insurance company for occupation, health, habits, avocations, etc. Benefits are tax free if premiums paid with aftertax dollars Flexible policy benefits and features such as lifetime benefits, cost-of-living increases, partial benefits, etc. Most expensive type Provides the most comprehensive coverage Premiums generally can't increase Generally, you can't lose coverage if you pay the premiums Group policy issued through an employer A disability benefit you receive through your employer. Your employer may or may not pay part of the premiums You have to be a member of the group (in this case, a group of employees) that sponsors the insurance Low group premium Available as short- or long -term coverage (or both) Usually, you don't have to prove insurability Less flexible benefit design than individual disability policies Will terminate when employment ends (non-portable) Premium will increase as you get older Definition of disability may be less liberal than individual coverage Benefits will be offset by Social Security, workers' compensation, and some other types of disability insurance Group policy issued through an association or organization A disability policy purchased through an association or organization, such as the New Hampshire Realtors Association You must be a member of the group that sponsors the insurance (in this case, a trade association or organization) Low group premium May have more liberal underwriting requirements, although not guaranteed acceptance as with employer groups Less flexible benefit design than individual disability policies Definition of disability may be less liberal than individual coverage Contracts may be cancelable by insurance company or association Premium will increase as you get older
8 Page 8 of 8 Securities America AMRISH PATEL Financial Advisor 215 S. Dobson Road, Suite# 4 Chandler, AZ Securities offered through Securities America, Inc., A Registered Broker/Dealer, Member FINRA/SIPC. Neither Forefield Inc. nor Forefield Advisor TM provides legal, taxation or investment advice. All the content provided by Forefield is protected by copyright. Forefield claims no liability for any modifications to its content and/or information provided by other sources. Prepared by Forefield Inc, Copyright 2009
Clark Associates W. HOWARD CLARK, JR. CFP, ChFC, CLU JOHN CLARK, CFP 145 South Route 73 Braddock, NJ 08037 609-567-1884 fax 609-567-2028 email@example.com www.clarkassociates.net Disability
ost of us think nothing of buying insurance to protect our cars, homes and other valuables. But many of us overlook protecting our most valuable asset... the one that makes all the others possible... our
About AHIP America s Health Insurance Plans is a national association representing nearly 1,300 members providing health benefits to more than 200 million Americans. AHIP and its predecessor organizations
Work Incentives Connection Fact Sheet # 18 January 2015 Social Security manages two different programs for people with disabilities: Social Security Disability Insurance (SSDI) and Supplemental Security
If you become disabled, disability income insurance provides money to help you pay ongoing bills and avoid depleting the savings you may have accumulated for your children s education or your retirement.
N. Y. S. C. O. P. B. A. New York State Correctional Officers & Police Benevolent Association, Inc. P 2014 OPEN ENROLLMENT acket Exclusively for NYSCOPBA Members and Dependents Member and Dependent Life
Disability Benefits For Wounded Warriors 2014 Contacting Social Security Visit our website Our website, www.socialsecurity.gov, is a valuable resource for information about all of Social Security s programs.
Your Life, AD&D and Disability Benefits Guide Enroll Now To Help Secure Your Financial Future Welcome To Your Life, AD&D And Disability Benefits Guide Protect What Matters Most Building a financial safety
CONTENTS Health Insurance Considerations for Empty Nesters Medicare Considerations Long-Term Care Insurance Considerations Health Insurance Considerations for All Life Situations Disability Insurance Considerations
Understanding The Benefits 2015 Contacting Social Security Visit our website At our website, www.socialsecurity.gov, you can: Create a my Social Security account to review your Social Security Statement,
EBNY Financial, LLC Kevin Kautzmann, CFP Certified Financial Planner 80 Fifth Avenue #1403 New York, NY 212-269-2625 firstname.lastname@example.org www.ebnyfinancial.com Benefit Plans for Small Businesses Page
A serious illness or injury can harm more than your health it can have an impact on your ability to work and meet your family s living expenses. Long-Term Disability Income Insurance FINANCIAL PROTECTION
America s Health Insurance Plans Guide to Disability Income Insurance I Although frequently revised, this guide includes information that is subject to changing federal and state laws. AHIP provides this
For this plan year, the plan includes the following provisions, subject to change or discontinuation with or without notice at any time. This Summary Plan Description presents an overview of your Benefits.
Disability Benefits For Wounded Warriors 2015 Contacting Social Security Visit our website At our website, www.socialsecurity.gov, you can: Create a my Social Security account to review your Social Security
Effective: 10-1-2012 American Fidelity Assurance Company s Long-Term Disability Income Insurance Plan Designed Specifically For: Non-Clerical Education Support Personnel Why Do You Need Disability Income
RIVERSIDE TRANSIT AGENCY FULL-TIME ADMINISTRATIVE EMPLOYEES NEW HIRE ENROLLMENT OVERVIEW 2015 Riverside Transit Agency (RTA) is extremely proud of the package of benefits available to you. The benefits
American Fidelity Assurance Company s Long-Term Disability Income Insurance SB-25403(FF)-0712 HOME OFFICE 2000 North Classen Boulevard Oklahoma City, Oklahoma 73106 (800) 654-8489 HOUSTON OFFICE 515 North
The Ohio State University Disability Program Specific Plan Details Program Provisions for: Long-Term Disability (LTD) Short-Term Disability (STD) Plan Year 204 (January December 3, 204) Office of Human
Disability Insurance: A sound financial foundation includes income protection Introduction...1 An important financial safety net...2 Many are not eligible for Social Security or workers compensation benefits...3
Young Singles Considerations As a young single, you re on your own without parental support for the first time. You could be finishing college, or you may be looking for or starting a new job. This stage
Raymond James Financial Services Bob Alft Wealth Advisor 220 E. Nine Mile Road Pensacola, FL 32534 850-479-7190 email@example.com www.raymondjames.com/bobalft Understanding IRAs Understanding IRAs
What You Should Know Before You Apply for Social Security Disability Benefits We sent you this disability starter kit because you requested an appointment to file for disability benefits. During the appointment,
1 What You Need to Know About SSDI and Medicare Tai Venuti, MPH Adrienne Muralidharan April 18, 2012 Welcome 2 Today we ll cover: History of SSDI SSDI process Evaluating spinal/musculoskeletal claims Awards
A Group Short Term Disability Income Protection Benefit that pays up to $500 a week Since 1964 KELSEY NATIONAL CORPORATION With State IIA Endorsed Group Short Term Disability Income Protection, You Get
Life Guide Retirement and Social Security The Social Security Administration estimates that 96% of American workers are covered by Social Security. For most of them, their monthly Social Security check
Horizon Universal Life Insurance Discover More In Life 63992 MK3227(0209) TC46323(0209) Experience Life Now you can protect your home, family, business and future all in one policy. If your need is death
Benefits Planning, Assistance and Outreach Chapter 16 WORKERS COMPENSATION General Provisions Every state has enacted workers compensation laws to protect employees against loss of income and for medical
WHY WOULD I NEED IT? HOW MUCH DO I NEED? Definitions Actively at Work means you or your Spouse are performing all the Essential Duties of Your Occupation for wage or profit on a full-time basis (at least
Select The STD Plan That Best Meets Your Needs PLAN FEATURES j Benefit Level Pays 70% of weekly earnings. j Benefit Duration Duration of benefits is the number of weeks for which an insured can receive
The entire Benefits Booklet series can be found at www.archindy.org/intranet/shared/hr/index.html. The Benefits Booklet is an interactive series of three documents: 1. Health Plans. Life Insurance, Disability
YOUR ACCEPTANCE TO OUR INSURANCE PLANS IS GUARANTEED...If you apply during your first 31 days of employment or if you apply during an official enrollment. ACT NOW BEFORE SPECIAL ELIGIBILITY ENDS! Guaranteed
A QUICK AND EASY GUIDE TO SSI AND SSDI Independent Living Resource Center San Francisco 649 Mission Street, 3rd Floor San Francisco, CA 94105-4128 (415) 543-6222 (415) 543-6318 Fax (415) 543-6698 TTY only
Your Disability Benefits As a member of the Defined Benefit Program, you have disability protection under one of the CalSTRS disability benefit programs: Coverage A (disability allowance) or Coverage B
Group Term Life Insurance Certificate For Active Employees and Retirees State of Michigan m Employee Group Term Life Certificate of Insurance Minnesota Life Insurance Company - A Securian Company 400 Robert
Your plan provides you with disability coverage that gives you and your family protection against some of the financial hardships that can occur if you become disabled or injured. The benefits include:
You never know what can happen on your watch. Is your family financially secure? Updating your family s financial security is Simple, Affordable & SAFE! The Insurance & Benefits Trust recommends all PORAC
Your Survivor Benefits Contents Your Survivor Benefits... 3 About This SPD...3 Changes to the Plans...4 Participating in the Plans... 5 Eligibility...5 Enrolling When First Eligible...7 Changing Your Elections...9
Short-Term Disability Insurance 817763 a 06/12 Developed for the Employees of Lake County Board of County Commissioners Protecting Your Family Securing Your Future As long as you've got your health. If
Electrical Pension Trustees Pension Plan No. 2 ABOUT THIS BOOKLET To understand your benefits from the Electrical Contractors Association and Local Union 134, I.B.E.W. Joint Pension Trust of Chicago Pension
Programs Summary of State Programs and Laws Highlighted in Faces of Maryland s Newly Insured Medical Assistance for Families (SB 6) Medical Assistance for Families provides full health care insurance to
WD & Associates WILLIAM DELMAGE President 22 Hemingway Drive East Providence, RI 02915 (401) 435-4239 103 firstname.lastname@example.org www.wdandassociates.com How Disability Income Insurance Contracts Define
your Benefits in Brief Salaried and Non-Union Non-Exempt Employees of Kaiser Foundation Health Plan, Inc. and Kaiser Foundation Hospitals Northern California Kaiser Permanente is committed to providing
Employee Benefits Retiree Medical Plan Retiree Medical Plan Boeing Medicare Supplement Plan Summary Plan Description/2006 Retired Union Employees Formerly Represented by SPEEA (Professional and Technical
The EMPLOYEE S GUIDE TO HEALTH CARE REFORM S TAX CREDITS Calculate Your Health Insurance Tax Credit 2 Introduction Beginning in 2014, massive tax credits will become available to help individuals buy health
Certificate of Participation A Minnesota Life Insurance Company - A Securian Company Group A Insurance Employer/Employee Administration 400 Robert Street North St. Paul, Minnesota 55101-2098 abcd INSURING
Disability Insurance Crash Course 1 AN INTRO TO INDIVIDUAL DISABILITY INSURANCE Disability Insurance Crash Course 2 AN INTRODUCTORY GUIDE TO HOW INDIVIDUAL DISABILITY INSURANCE POLICIES WORK, AND WHY YOU
Dependent Life Insurance Plan Lowe's offers the Lowe's Dependent Term Life Insurance Plan (the Dependent Term Life Plan Option), insured through Cigna, to help with expenses related to the death of a dependent.
Help Protect Your Most Valuable Asset Your Income NJEA Endorsed Disability Insurance Program For enrollments on and after October 1, 2012 The Prudential Insurance Company of America 02046-00002-00 Think
Fact sheet Personal insurance Current as at 15 April 2012 What is insurance? Insurance is an agreement with an insurance company to pay you a sum of money if something is damaged or lost. It is form of
Income Protection Disability Protecting loved ones from financial hardship in the event of premature death of a primary income earner is usually a high priority for most Canadians. Unfortunately, while
State Disability Insurance Laws State disability insurance benefits are also called temporary disability insurance benefits and short-term disability insurance benefits. Currently, only five states provide
Y OUR SOCIAL SECURITY DISABILITY BENEFITS This Guide is Provided By EDWARDS & PATTERSON LAW FIRM 321 Third, Suite 1 And 1831 East 71st St. McAlester, OK 74501 Tulsa,OK 74136 Toll Free: 877-761-5059 What
Long-Term Disability (LTD) Plan This document is a Summary Plan Description (SPD), as defined by the Employee Retirement Income Security Act of 1974 (ERISA), of the Toys R Us, Inc. Long-Term Disability
FACT SHEET Medicare and People with Disabilities: An Overview (I-001) p. 1 of 5 Medicare and People with Disabilities: An Overview This fact sheet provides basic information on Medicare for people with
Flex FAQs Disability Insurance 1. What is the difference between basic and supplemental disability insurance? Basic disability insurance is provided at no cost to all City employees who are eligible for
Educator Select Income Protection Plan Insurance Highlights Northwest Independent School District Policy # 628663 Please read carefully the following description of your Unum Educator Select Income Protection
The University of Tennessee Group Long Term Disability Plan For Academic and Exempt Employees Effective December 1, 2003 Contents What If Your Paycheck Stops?.........................1 About TIAA and The
LIFE INSURANCE SUMMARY Your family can count on your paycheck to meet day-to-day expenses while you are actively at work, but it is important to plan for their financial security in the event of your death.
Vertex Wealth Management LLC Michael J. Aluotto, CRPC President Private Wealth Manager 1325 Franklin Ave., Ste. 335 Garden City, NY 11530 516-294-8200 email@example.com Roth IRA Conversions 12/26/2012
Dependent Term Life Insurance Plan Lowe s provides the Lowe s Dependent Term Life Insurance Plan (the Dependent Term Life Plan Option), insured through MetLife, to help with expenses related to the death
Organizing Your Finances After Your Spouse Has Died Page 1 of 7, see disclaimer on final page Organizing Your Finances After Your Spouse Has Died What is it? Even if you've always handled your family's
THE UNIVERSITY OF IOWA Life Insurance Long Term Disability Insurance and Retirement Annuity Protection Insurance 1 2 TABLE OF CONTENTS Page(s) GENERAL INFORMATION... 4-5 Participation in Insurance Programs...
VI. Long-Term Disability Program Table of Contents About This Section...1 An Overview of the Long-Term Disability Program...2 Definition of Disability...2 Long-Term Disability Benefit Options...2 Basic
plain talk about life insurance The right life insurance can have an enormous effect on your life and the lives of those you love. It can mean the difference between leaving your loved ones well positioned
THE AVAYA INC. LIFE INSURANCE PLANS Active Represented SUMMARY PLAN DESCRIPTION Effective 1/1/2013 Last Updated 3/31/2013 Helpful search tools: Table of Contents (TOC): Each item on the TOC is a hyperlink
YO U R B E N E F I T S YO U R F U T U R E What you need to know about your CalPERS State Safety Benefits C O N T E N T S Introduction............................................. 2 Your Retirement Benefits.................................
Term Level Premium Term Insurance Is term insurance right for you? One policy. One premium. One company. A multitude of coverages. 10 % Product issued by Life Insurance Company of the Southwest The Accelerated
Short-Term Disability Insurance Developed for the class 1 Employees of Research Triangle Institute Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,
Firm Name Team Name (if one) CPA Planner Name, Credentials Title Street Address City, NY 13160 Phone number xext # Alternate phone # firstname.lastname@example.org website URL Planning for Social Security Presentations
Buy-up Long Term Disability Insurance For the employees of Montana University System Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed
Policyholder: BOB JONES UNIVERSITY Group Number: GA0845 Class: All Full Time Eligible Employees Voluntary Group Term Life Insurance This is your Certificate of Insurance. It describes the coverage selected
Voluntary Long Term Disability Insurance FOR THE STATE OF CALIFORNIA EXCLUDED EMPLOYEES Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet
Nova Scotia College of Art & Design Plan Document Number: G0080847 Group Policy Number: G0050232 Plan - All Employees Employee Name: Certificate Number: Welcome to Your Group Benefit Program Plan Document
Frequently Asked Questions for Retirement 1. Who is eligible to retire? Employees with five years of CalPERS service, at 50 years of age or older. 2. Are all employees eligible for retirement health benefits?
Long-Term Disability Insurance Developed for the class 1 Employees of Research Triangle Institute Protecting Your Family Securing Your Future As long as you've got your health. If you're physically healthy,
Short-Term Disability Insurance Developed for the Employees of State of Tennessee, County of Shelby, Shelby County Government Protecting Your Family Securing Your Future As long as you've got your health.
Voluntary Long Term Disability Insurance Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This booklet is designed to answer some common
Alan Bolotin Baystate Financial Services 301 Edgewater Place Suite 200 Wakefield, MA 01880 781-876-4101 email@example.com www.abolotin.com Understanding IRAs Page 1 of 5, see disclaimer on
Vertex Wealth Management LLC Michael J. Aluotto, CRPC President Private Wealth Manager 1325 Franklin Ave., Ste. 335 Garden City, NY 11530 516-294-8200 firstname.lastname@example.org Retirement Basics 10/22/2013
What you needto know about disability insurance Insuring your Most Valuable Asset...You Your most important asset is not your home, your car, your jewelry or other possessions. It s your ability to earn