什麼是長期殘疾保險？
什麼是長期殘疾保險？
 Long term disability insurance is an insurance product designed to protect most people's most valuable asset, their ability to earn a living. It could be from an injury or an illness, that you are no longer able to work at the occupation which you were educated and trained to do. There are a few components to be familiar with. The first is the benefit amount which can be limited to 50% to 75% of your monthly income at the time of becoming disabled. next is the elimination period. This is the time period you are medically diagnosed as disabled and the time when benefits begin to pay to you. Next is the period benefit which is the time period the benefits are paid to you. For example, benefits can be paid for 2 years. 5 years, 10 years or age 65 or 67 years old. Because there is a lot to consider I recommend using an experienced independent disability insurance broker to help guide you through this maze, so you receive the best coverage at the best price for your unique situation.
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