我應該透過我的僱主購買殘疾保險嗎？
我應該透過我的僱主購買殘疾保險嗎？
 If your employer provides disability insurance it is very wise to obtain the disability through them because premiums will be less than a single individual policy. Keep in mind through the employer policy you are usually only renting the policy not owning it. In others if you were to leave your current employer can you take that policy with you. It is also wise to have your own disability policy outside to supplement at work, just in case you are no longer working for the employer. The best time to purchase anytime of insurance is when you do not need it because you probably can afford it and also be insurable.
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