Нужди при нетрудоспособност
From Planipedia
|
| Situation | Recommendation | Purpose |
|---|---|---|
| Client and/or spouse have
a shortfall on disability that needs to be eliminated through the acquisition of new insurance coverage. | Needs on Disability – Based on our analysis of
your situation, you have the following shortfalls in the event of disability: In the event of client’s disability, there is a shortage of $2,000 per month. The following represents the most cost-effective strategy to eliminate your shortfall:
personally owned disability insurance.
owned life insurance contracts. In the event of spouse’s disability, there is a shortage of $1,000 per month.
personally owned disability insurance. | To identify shortfalls in
coverage and identity the most cost-effective way of eliminating these shortfalls. |
| You have a client who is
a business owner who fulfills a key role in the business. Office overhead expense coverage may be appropriate should he qualify for this coverage. | Office Overhead Insurance - Because of the
key role that you play in your business, and the fact that your services would have to be replaced should you become disabled, it’s recommended that you acquire sufficient office overhead expense insurance to cover the fixed expenses within the business so that a short- or long-term disability doesn’t destroy your business due to your absence. | To protect the business in
the event of disability of the business owner. |
| Once a client has all the
necessary life and/or disability coverage needed, critical illness coverage is additional coverage that can afford additional protection against the erosion of capital caused by a critical illness. | Critical Illness Review – With today’s health
care environment, this type of coverage can protect against potential exposure to increased medical expenses. It can give you the option to obtain time-sensitive medical treatment as needed vs. being added to a waiting list and having to hope that treatment is available when you need it. | This coverage can protect
against delays in treatment and erosion of capital. |
| Client is mature and
concerned about the possibility of needing long-term care in the future. | Long-term Care Review – A review of your
options in the event that you require long-term care at some point in the future would be very worthwhile. The issue to consider is the impact on your lifestyle and the capital erosion to your estate that could occur should be unable to care for yourself due to a prolonged physical illness, disability, or cognitive disorder (e.g., Alzheimer’s). | Protect lifestyle and capital
in the event long-term care is needed in the future. |
