What if a person asked you, “What is your most valuable asset,” would your response be, “My home,” “my vehicle,” “my collection of art” or “my prized boat?” Reaching a point in life at which you have attained these things is great, however, would it be possible for you to have attained any of these […]
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There are three methods to guarantee that in the event you come to be too ill or injured to do your job, your retirement plans are not significantly affected. Many physicians, attorneys, and other professionals have obtained an individual disability insurance policy to protect their income. If they are unable to work in their own-occupation, […]
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A proper buy-sell agreement should always have provisions that assume the future needs of a small business. Although most buy-sell agreements arrange for the death of a small business owner, many buy-sell documents are quiet when it comes to the disability of a business owner. The truth is that a business owner is a lot […]
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Long-term disability insurance. For most, this term only comes up when applying for company health benefits when you are a newly-hired employee. You know you need health insurance, and they will typically give you life insurance, but what happens if you become disabled? Long-term disability insurance is, at its foundation, income replacement insurance. It can […]
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The main reasons why some people prefer working as a salaried employee instead of as a self-employed worker are the benefits salaried employees receive for sick days and disability leaves, usually being paid as normal days. While for most self-employed workers, a day you didn’t work is a day you’re not going to get paid. Long-Term […]
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