Why to get a Disability Insurance?

When it comes to insurance policies, people tend to give disability insurance a back seat. People go for life insurance policies, health care policies and such without batting an eyelid, but when it comes to any insurance policy that has to do with disability coverage, most people will give it a toss. However, this is not an insurance that should be taken lightly. Here are some truths about this policy that you may not have considered.

Insurance for disability coverage covers for just that-disability. If there is ever an unexpected disability that you have to go through-something that disables you from performing active work for a while-then you will naturally find it quite difficult to manage your day-to-day expenses. The bitter fact of life is that even though you are physically unable to do work, and even if you have the medical records to prove that, the bills still have to be paid. You still have to eat and survive, which means your disability puts you out of earning, but it cannot put you out of spending. Now, the million dollar question is-you aren’t earning anything, so how do you manage your expenses? Do you ask for credit or borrow from family and friends? That doesn’t sound so appealing, does it?

The truth is that you can independently manage your expenses even if you are disabled. This is what disability coverage helps you achieve. It covers for you-for a limited amount but still that’s coverage-and that helps you stand on your own feet even if you physically may not be able to do so.

There are some rules with such disability coverage though. Most of these policies won’t start paying you out immediately. They will need to make sure you have been out of work for at least three months before they begin paying out. Now, this is a difficult time for most people, because these three months won’t be without expense either. However, there is an answer to this as well-short term disability policies. These are the policies that begin paying out immediately if you can prove that you are out of work. But, while they start paying soon, they don’t pay out for long. And that’s why you need the long-term policies as well.

Most people invest in both short-term and long-term disability coverage policies. That really helps if an untoward situation puts them out of action for a while. It doesn’t put a big burden on their monthly budgets either, because these policies have premiums that run into mere tens of dollars a month-significantly lesser than what they would spend if they ate out once.

No one wants to think about negatives and that’s one of the reasons why many people don’t spend the time to think about something like disability coverage. But, at the same time, it doesn’t pay to be an ostrich with the head in the ground. It is necessary to be pragmatic about things. While we don’t want to be pessimistic all the time, it is one of the essentials in life to think about what might happen in an unwanted situation and use devices like disability insurance to add more protection and security to our lives.

Kelly Hunter owns and operates http://www.accelerated-nursing-programs.com and also writes about Accelerated Nursing Programs

Article Source: http://EzineArticles.com/?expert=Kelly_Hunter

Buick Arcadia Certified technicians at Thorson Motor Center service Buick, GMC, Chevrolet and Pontiac vehicles. You find all makes of new and used GM cars and trucks. They’ve been servicing the Los Angeles, Pasadena, Glendale, and Arcadia areas for more than 15 years.

Mazda Baltimore

Canada Drugs Canada drugs and prescriptions online for less at NorthWestPharmacy.com, a licensed Canadian pharmacy site.

Solar Panels Grants

Magicard printer ribbons Digital ID offer the largest range of plastic card related products and services on the web. We are master distributors for all plastic card printers and printer ribbons. Digital ID also manufacture lanyards, card wearing accessories and ID card software.

Minnesota Car Accident Lawyer | Used Car Parts

employment practices liability insurance epli

porsche for sale | Lexmark toner cartridge |SEO|Link Building Services|-SEO Company India: SEO services, Outsource SEO India by Theglobalitsolutions. We offer cheap SEO services, affordable SEO services & economical/professional SEO services in India.and provides world class Search Engine Optimization services on affordable price

new york pediatrician | security companies los angeles

Hire a car Catania

invisalign dentist san francisco

lamborghini for salebuy mercedes| audi for sale|San Diego Solar Electric Get off the grid San Diego and go solar electric!
pulse oximeter| Cars for SaleFind Used Cars for sale in the UK. Buy or sell a used car for Free. Choose from thousands of used car adverts. Also see our Car Blogs, Car buying Advice, Used Car Prices and Car Reviews to help you find the right used car.
car hire alicante airport reviews Read our honest car hire alicante airport reviews to find the best car rental and hire provider.

credit cards

barrie auto insurance Think Insure is a leading provider of car insurance in Ontario and services Toronto, Barrie, Mississauga, and other surrounding Ontario cities. With just one click, you can save money on your auto insurance.

toyota kansas | online automotive colleges|Campervan motorhome hire We are able to offer luxury motorhome and campervan hire and rental in 26 countries including the UK with options for short or long term hire.

If you are a planning to apply for a loan to buy a home, it is a good idea to have some knowledge on the prevailing mortgage rates Canada. You might wonder what exactly a mortgage rate is. It is the interest rate that you will have to pay when you apply for a mortgage loan. Several factors could affect a mortgage rate.

Get the cheap auto insurance Pennsylvania residents deserve, and don’t waste time driving around to find it. Compare Pennsylvania auto insurance online and choose the policy with the best combination of broker/agent, policy coverage, and price.

Hotel Compare hotels and rates – Cheap, Luxury, Boutique and Spa hotels. Discount hotel accommodation in Birmingham and around the World.

driving schools in Nottingham

roofing contractor A leaky roof can really bring a lot of damage really fast. As a professional roofing contractor, we are here to help you. You can reach Pro Roofing at 4166223312, on the website proroofing.ca or in the office 716 The West Mall, unit 903, Toronto, Canada.

Sell Wyndham Timeshare

best car rental italy | Chicos lindos. Pagina dedicada a resaltar la belleza de los hombres guapos, sean estos actores, cantantes, politicos, musicos, bellezas representativas de su país… es una pagina que dedicamos al disfrute de la vista femenina. Chicos Guapos y Chicos Lindos, aqui en Solo Chicos.

Electric motors | cufflink Cufflinks sorted according to personalities.

annual credit report

Car Insurance Los Angeles | Best Exchange Rates Commission-free currency exchange services for individuals and businesses. Also provides free daily market information.

auto insurance quotes

auto parts | Usa Tunnel | Spring surf car rental So you’ve made the decision, the hard choice. You are going to replace your old, leaky roof with a new one. You’ve probably done some research, read some articles and now it is time to start looking for roofing contractors Toronto. Look for references from previous customers, the response time of each company, and well as some examples of the previous work.

Many homeowners wonder how much roofing will cost them. There a number of free roofing calculators available online, but the way to estimate cost of new roof is to have roofer visit your home and do the real measurements.

mobile car body repairs redditch |Porsche
|Mustang Tail Lights |HID Kits |BMW Parts

Letting Agents Hastings Professional letting and estate agents in Hastings, visit the site for a full range of service

diet drops|Healthy Dog Food

currency rates | low carb diet Losing weight healthily you need a healthy diet plans. Low carb diet plans can be an effective way to manage your weight to maintain your desired body in a healthy way.

Kia Carnival | RadiatorsKorTech radiators is a manufacturer of Heat Exchange related items in copper and Brass specially radiators for various applications like Trucks, Tractors, Cars, Earthmoving Vehicle.

Diamond Pendants Gorgeous Diamond Pendants at up to 80% off! Enjoy 30-day returns and FREE shipping on orders over $150. Amazing selection and value, only at ANGARA!

online auto insurance quote | Car donation | Yasmin lawsuit | auto parts | Best Exchange Rates Commission-free currency exchange services for individuals and businesses. Also provides free daily market information.

Save money on yourMontréal auto insurance? coverage. Start by finding out rates with different companies. Shop around and learn how much each company will charge. Once you know the rates, you can make a truly informed choice which company has the best coverage, and charges the least.

Children Beds Dial a mattress aims to be the leading online supplier of beds and mattresses across England, Wales and into Scotland. Our head office and warehousing is based in Shropshire.

Atlanta Mobile Detailingstock picks | Akron Long Distance Movers Akron Long Distance Long Distance Movers – Find Long Distance Movers in AkronLong DistanceOhio

Auto Insurance in Ontario – The smart way to save on your auto insurance in Ontario is to approach several companies, or several brokers. The smarter way is to visit Kanetix.ca and receive up to a dozen of insurance quotes from the best Canadian insurers, saving yourself hours of time, and potential frustration with sales people.

buy used cars online – Buy a used car online and save. We have a directory of all makes and models available.

Ambulance St. Louis –   1-800-ambulance begin_of_the_skype_highlighting              1-800-ambulance      end_of_the_skype_highlighting is able to provide ambulance service at less of a cost than the actual providers by setting up contracts with ambulance services and offering those rates to the public.

Air Ambulance -  Air Ambulance transportation is the safest, most cost effective, medical transport in the industry.

best car rental Canada – Cheap car hire Canada – Budget and Economy Car Hire Canada.

free credit report | providian | lexus wheel hub Wheel Hub Pros carries only the best wheel hub bearing. Every part is guaranteed to fit and comes with a full one year warranty. Wheel hub pros only sells brand new OEM wheel hubs and new Wheel Hub Pros brand wheel hub bearing assemblies.

auto ac compressor Offers auto air conditioning parts including ac compressor, ac condenser and more. Toll free phone support and full warranty on all ac parts.  Free Shipping and 30 day return policy.Cars Perth – Search and buy online new and used cars for sale in Perth, WA. Compare car prices, read reviews, find tips and advice at DVG online – Car dealership in Western Australia.

phentermine 37.5 mg no prescription | Drug Rehab Cliffside Malibu is a premier residential treatment center, located at Los Angeles, California provides cutting edge, evidence-based psychotherapy and analysis meet world class drug and alcohol addiction treatment, medically supervised detoxification and holistic medicine.

Nephrogenic Systemic Fibrosis Lawyer Lawyer resource for sufferers of Nephrogenic Systemic Fibrosis.

Trucking Accident Attorneys Attorneys with the experience and qualifications to achieve financial compensation for their clients.

Acai Berry Select | Proactol | celadrin| Used Toyota| Car Gadgets, GPS & Radar Detectors Auto Gadgets, Navigation & Radar Detectors

Used Cars Looking to buy a used car if so then you’ve come to the right place. MeCarz.com help you to sell your used car across United States, Canada, United Kingdom, Germany, Spain, France, & Middle East. We have a massive database of used cars

Walbro Fuel pumpAutomotive Articles from Article Alley

Fly drive to Orlando For affordable worldwide Luxury package Holidays, Tailor Made Holidays, Weddings, Honeymoons or Flights & Flydrives look no further than Kenwood Travel. We are a fully bonded, direct sell tour operator with over 32 years experience. We contract directly with the airlines and hotels to ensure there is no middleman taking a commission on your holiday.

hotels peru-Hotel  Peru: Here you will find hotel information. Peru Hotel Reservations and rates for Hotels, Tours and Resorts in Peru. Hotels and Resorts in Peru. Hotels Peru.

Chicago Truck Accident Lawyer Lawyer resource for persons who have been involved in truck accidents in Chicago.

buy ferrari | Spanish translations Houston | Brightonchauffeur car hireCar Rental Gold Coast – Cheap Car Rental Gold Coast at Jetsetter Car Rentals. We are opposite the Gold Coast Airport and provide discounts & special offers for Gold Coast car hire on small cars, family cars & vans.

Laser Marking – Our comprehensive range of laser modules and safety enclosures provides fast, efficient and cost effective solutions to any component marking requirements.

Performance PartsUsed CarsLow Cost Car Insurance - Low Cost Auto Insurance is obtainable! Try our free Low Cost Car Insurance Quotes form & Compare 5 free without obligation quotes for the best deal

Buy my car – If you are looking to sell your car we will produce a free no obligation guaranteed offer

Compare Car Insurance – Save money online when you compare car insurance from leading insurers and get a great deal on your car insurance renewal.

Insurance for Your Business

The importance of insurance cannot be over-emphasized and neither can the danger of paying for insurance you don’t need. It is strongly recommended you solicit the advice of an in-dependent business insurance agent. Don’t forget to SHOP! Talk to three or four independent agents and compare notes and prices. An insurance agent will lay out a vast array of insurance coverage much of which you simply may not need. Your situation will be unique and you must consider each insurance element carefully to ensure comprehensive coverage.

If you’re worried about finding the right health insurance plan, visit InsureLane and get free health insurance quotes and get help from licensed agents online!

Whatever your final insurance program looks like, you should review it at least every six months. Your business can change rapidly, especially in the first few years and insurance needs change with it. Keep your program up to date by calling in your agent and reviewing your coverage. Make changes where necessary.


This is probably the most important element of your insurance program. Liability insurance provides protection from potential
losses resulting from injury or damage to others or their property. Just recall some of the big cash awards you have read about that have resulted from lawsuits concerning liability of one kind or another and you will understand the importance of this insurance. Your insurance agent can describe the various types of liability insurance coverage that are available. If you will end up with a comprehensive general policy, make certain that the general policy does not include items you don’t need. Pay for only the insurance you need. For example, your business may not need product liability insurance.

Do not confuse business liability coverage with your personal liability coverage, both of which you need. Your personal coverage will not cover a business-generated liability. Check to be certain.

Compare the costs of different levels of coverage. In some cases a $2 million policy costs only slightly more than a $1 million policy. This economy of scale is true with most forms of insurance coverage. That is, after a certain value, additional insurance becomes very economical.


This type of insurance is particularly important for the sole proprietorship or partnership where the loss of one person through illness, accident, or death may render the business inoperative or severely limit its operations. This insurance, although not inexpensive, can provide protection for this situation. Key person insurance might also be necessary for others involved in your business.

SGC was a small firm run by three partners, a software programmer, marketer, and a general manager. Their product was a complex computer program used by aerospace firms. Al, the programmer, was involved in a severe automobile accident, became totally disabled, and SGC lost their programming capability. The problem was that the computer program written by Al was essentially the company’s sole product. Modifications to accommodate the customer became impossible and the time to bring another programmer up to speed was excessive. SGC lost considerable business as a result of this situation. These losses could have been offset by key person insurance.


You, as a business owner, should be covered by disability insurance whether or not you decide on key person insurance. This insurance, along with business-interruption insurance, described below, will help ensure your business will continue to operate in the unfortunate situation where you are unable to work. Your disability insurance policy needs to provide satisfactory coverage. Particular attention should be paid to the definition of “disability,” delay time until payments start, when coverage terminates, and adjustments for inflation.


Fire insurance, like all insurance is complicated and you should understand what IS and IS NOT covered. For example, a typical fire insurance policy covers the loss of contents but does not cover your losses from the fact that you may be out of business for 2-months while your facility is rebuilt. Fire insurance is mandatory whether you’re working out of a home office or you have a separate facility. You should discuss a comprehensive policy with your agent. Take the time to understand the details. For example, will the contents be insured for their replacement value or for actual value at the time of loss?

Consider a co-insurance clause that will reduce the policy cost considerably. This means that the insurance carrier will require you to carry insurance equal to some percentage of the value of your property. (Usually around 85%.) With this type of clause it is very important that you review coverage frequently so you always meet the minimum percentage required. If this minimum is not met, a loss will not be paid no matter what its value.

If you are working out of your home, your existing homeowner’s policy may not cover business property. If this is the case, have your insurance agent to add a home-office rider to your policy.


You probably already have automobile insurance but it might not include business use of your vehicle. Make sure that it does.


If you make the decision to hire employees, you will be required, in most states, to cover them under worker’s compensation. The cost of this insurance varies widely and depends on the kind of work being performed and your accident history. It is important that you properly classify your employees to secure the lowest insurance rates. Work closely with your insurance agent.


This protects against loss of revenue as the result of property damage. This insurance would be used, for instance, if you could not operate your business during the time repairs were being made as a result of a fire or in the event of the loss of a key supplier. The coverage can pay for salaries, taxes, and lost profits.


This will pay for unusual losses as the result of nonpayment of accounts receivables above a certain threshold. As with all policies, you must thoroughly understand the details so discuss it with your insurance agent. One of the largest providers of this coverage is American Credit Indemnity, Baltimore, MD. (800) 879 1224 begin_of_the_skype_highlighting              (800) 879 1224      end_of_the_skype_highlighting.


Comprehensive policies are available that protect against loss from these perils, including by your own employees. Make certain you understand what is excluded from coverage.


This policy covers the cost of rent for other facilities in the event your property becomes damaged to the extent that operations cannot continue in your normal location.


This insurance will pay you an amount each month slightly less than your current salary in the event you become disabled and are unable to work. Cost for this coverage varies considerably depending on your profession, salary level, how quickly benefits start, and when they end. Benefits paid are tax-free only if you, not your company, pay the premiums.

This list could be continued since it is possible to purchase insurance for just about any peril you can imagine … if you can pay the premium! When considering your insurance coverage, use the following checklist:


o Can you afford the loss?

o What coverage is required by Federal, state, or local law?

o What SPECIFIC items are covered by the policy?

o Are items to be insured for their replacement cost or original value?

o What SPECIFIC items are EXCLUDED by the policy?

o If there is a co-insurance clause, do you have adequate coverage?

buy bentley

tutor saliba Tutor-Saliba Corporation operates as a building contractor and heavy civil works construction company in the United States. It also offers design-build services, and pre-construction services, including budgeting, estimating, scheduling, value engineering, regulatory compliance’s, and subcontracting.

Vehicle graphics

shotgun case Whether you are looking for holsters, duty gear, shotgun stocks, or performance outerwear, BLACKHAWK! has the products you need. Since 1993 BLACKHAWK! has been manufacturing the finest tactical and outdoor equipment available.

Document Management software | compare insurance quotes | Sacramento Car Accident Lawyer | credit card deals | Milan hotels Direct-Hotels the ‘Hotel Price Comparison Site’ compare hotel prices from the most popular travel companies and hotel brands. With savings of up to 75% you can find cheap hotels worldwide. Book online or by phone!
How to Get Out of Debt Need to consolidate debts? Been turned down for finance in the past? That’s OK, Debt Fix can help.
o Have you chosen deductibles wisely in order to minimize costs?

o Do any of the policies you are considering duplicate or overlap one another?

o Do you need any insurance based on location, e.g., flood, earthquake?

Use the following checklist to review your insurance plans:


o Employ an independent insurance agent rather than going to individual insurance companies. Ensure the agent shops for your insurance.

o Talk to and get quotations from at least THREE agents and pick the best one for you.

o Use money saving comprehensive policies, if possible.

o Perform periodic (every 6-months) reviews of your insurance program.

o Have business assets professionally appraised to determine coverage needs.

o Ensure existing personal insurance coverage includes business-related activities and add riders as necessary or obtain additional coverage.

http://www.TotalBusiness.com is a Website that provides business owners with the information they need in order to successfully start, manage, grow, and sell their businesses.

The site features over 3,000 articles and 60 guides on business topics such as starting a business, financing a business, sales and marketing, building a website, setting up an office, hiring employees, and selling a business. The site also contains articles on legal and accounting issues affecting businesses and allows business owners and entrepreneurs to get free expert advice from local lawyers or accountants. The site contains over 1,000 business forms and agreements that are helpful to business owners and provides a business directory with over 1,700 merchants who provide services specifically for small businesses.

Eran Salu, JD,MBA,CPA is the Founder and CEO of TotalBusiness.com

Article Source: http://EzineArticles.com/?expert=Eran_Salu

bmw for sale
hoodia | isagenix | Accident Lawyers in Philadelphia If an accident has occurred the best thing to do is seek the legal advice of a Philadelphia lawyer immediately!
UK Smart | honda extended warranty
SEO London | Ecommerce web design

Have you ever worked with the most expensive or the cheapest auto insurance brokers? Whether working with the most expensive or the cheapest auto insurance brokers, what’s clear is that you need to know your own driving situation yourself, before inquiring about new coverage for your vehicle. You need to have a bearing on what you feel your risks are. Do you drive often?

USED HONDA | cheap cars | minibus sales

Best Auto Insurance Get free car insurance quotes, find affordable car insurance companies, and learn more about coverage from Best Auto Insurance.

HID - Driving lights have extreme range to outreach your hi-beams and reveal the road ahead. You’ll see things in a newer, safer light with our punchy HID driving lights and rally lights on your vehicle. And, you can mount these driving lights to your grille guard or bumper with ease. Plus, you can also pick up factory-style replacement lights if you want to keep your ride looking stock.

Car Leasing Offers | Used Cars Used Cars Showroom UK help to buy new and used Vauxhall Car Dealers, Ford Used Cars Dealers, Citroen Used Cars Dealers, Nissan Used Cars Dealers, Honda Used Cars Dealers, Mazda Used Cars Dealers, Renault Used Cars Dealers, BMW Used Cars Dealers, Mercedes new and used Car Dealers. Get best deals on used cars through Car Dealers in UK. best cigars

No medical exam life insurance | DePuy Hip Implant Attorney – Don’t suffer any further from your DePuy hip implant, contact an attorney to file a compensation claim today.

acne – acne

we buy junk cars | car tyres | koi fish | Fort Worth Car Repair – Kwik Kar of Fort Worth is a full service Auto Repair and Engine Maintenance Car Shop. With ASE Certified Fort Worth Mechanic on duty.

shed plans | Car rental coupons – Cheap Car Rentals – Discount Car Rentals from Fox Car Rental

Stainless steel fabrications – Welcome to the home of Harry Burrows Fabrications Limited. An established fabrication / sheet metal company that manufactures a broad range of products and offers a complete service, from design through to completion.

cheap car insurance – Vans have different requirements from a heavy goods vehicle to commercial motor fleet or a single or domestic vehicle. We search through the most competitive van insurance quotes of leading providers to find the package you need.

easy loans | Dumpsters for Rent | auto transporting | Durban car hire – Durban is a great place to visit, but to see the city and all of its culture, you need to have your own car. Durban car hire is now simple with Drive South Africa.

Lingerie | Los Angeles Escorts | Convey Law | Used Cars | car insurance | auto transport quote | Pass Driving Test – Drivers Edge UK started driving test tips of as education and mentoring programmed back in 2008 by entrepreneur Wale Yusuff. One more important driving test tips is to ensure you are well rest before the test day, and have a healthy breakfast when you wake up.

uk car hire | hire | visit | debt consolidation programs | remote control helicopters – Gadget Box is a leading retailer in electronic remote controlled vehicles. Specialising in a wide selection of RC cars, remote control helicopters and mini moto bikes.

more data | ulookubook voucher codes

Xenon Headlight Bulbs Choose from our available best selection of Xenon Headlight Bulbs with Manufacturer Warranty.

insurance quotes Senior Dental Plans ph miracle Synthroid Canada Canadian pharmacy Canadian drugstore online laser surgery cost online dating advice Canada drugs marketing strategies examples