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Jobs And Disability Insurance



M


any of us choose our jobs       in and provides us with some      
based on the health            financial relief. How much        
insurance offered by the       disability insurance we receive – 
employers; or, we at least let        what percentage of our normal     
the health insurance play a role      income – depends on the employer. 
in whether or not we apply for                                          
and accept certain jobs. However,     While disability insurance isn’t  
how many of us go beyond just         something everyone is going to    
asking about health insurance and     need at some point in their       
asking about disability               lives, it is something that the   
insurance, too? Probably not many     people who end up needing it wish 
of us, if any of us, ask whether      they had. If you’re job hunting,  
or not the jobs we are                ask about disability insurance.   
considering, or even the jobs we      If you already have a job, but    
already have, offer disability        aren’t sure whether or not your   
insurance.                            employer offers disability        
                                      insurance, find out.              
Just like all types of insurance,                                       
disability insurance is designed      If your employer does offer       
to protect us. If we become sick      disability insurance, find out if 
or injured and aren’t able to go      you have been working there long  
to our jobs for a certain period      enough to be eligible for it. Ask 
of time, our disability insurance     how long the disability insurance 
acts as a substitute paycheck. We     will last (some employers will    
can’t get a paycheck for jobs we      cover you for a few weeks to a    
aren’t working; however, when we      few months, while Rhode Island,   
are sick or injured, we have no       New Jersey, New York, and Hawaii  
other choice but to take some         are required by law to provide    
time off from our jobs. That’s        disability insurance for 26       
when disability insurance kicks       weeks), and how much income       



you’ll be eligible for should you     disability insurance.             
find yourself needing the             




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