Job Benefits: Disability Insurance

In case you are sound and healthy, you may not see any value in disability insurance coverage. But we all know that illnesses and accidents really do happen. It is actually more likely that you won’t be able to perform your work for over 90 days due to illness or an accident than that you will pass away before reaching the age of 65. In case become hurt or sick and won’t be able to work for a longer period of time, having a decent disability insurance will help you get through the days or months that you won’t get a regular paycheck.

When your employer is not offering disability insurance, think about getting it yourself. Disability insurance doesn’t need to be so expensive, especially when you compare it with health insurance, though the cost are depending on your chosen coverage and your occupation. (more…)

Job Benefits (Work Incentives) To Consider

Health Insurance in Key

Having good health insurance for you and the ones around you is critical. There are quite a few employers that will pay for (or at least a great deal) of your health-insurance policy costs. In general we can see that, even if you still are required to pay for a portion of the insurance premium, your cost is usually far less than when you would have to pay for it all by yourself. We can find numerous sorts of healthcare plans. Most larger categories are including the health maintenance organization, indemnity plan, preferred provider organization, point-of-service plan, and a health savings account.

Please note that when you currently are eligible for Medicaid benefits, having a job could influence your benefits. There are, though, special rules (labeled ‘work incentives’) that still allow you to work and at the same time receive benefits. If you want to learn more, visit the website of the Medicaid program and check information on the program called ‘Ticket to Work’. (more…)

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