ࡱ> OQN7 @bjbjUU J 7|7| 4l2222$  ,2222H " $5 Un _ ^  222H   "2R2H   !"tH& l`, Lt0 ` t 2222 What would you do if you suffered an incomplete heart attack?   What if your paycheck stops? You insure your eggs. Those eggs are your home, your car, even your life. But, have you insured the golden goose that lays those eggs-your income? Modern medicine keeps people from dying prematurely, so your need to protect your income continually increases. What are your income needs if an incomplete heart attack knocks you off the job for six months or even longer. Can your business survive without you? Do you have loans to pay off? Can you pay your normal monthly bills? What lifestyle do you want to preserve for your family? Suppose you can work a few hours a day, but you still suffer reduced income? Does your partner want to buy you out because you cant contribute like you did before your disability? What if your key employee becomes disabled? How long will you be able to pay him/her? There are things worse than death. Death is final. Disability invokes an entire range of the unknowns, from emergency surgery that suspends your life for one month to the frightening specter of years in a nursing home or coma in a hospital. We live in the world of disability denial. Death we understand. With disability, youre knocked out and your cash is strangled with a whole host of exorbitant medical related costs. So, think about the well being of your businesses, your employees, your family and your customers. If you cant maintain your staff to care for your customers, your temporary disability could turn into a business ending financial nightmare. There is business overhead insurance that pays the business to cover the owner/partners share of the companys basic expenses, from rent to salaries, when the owner/partner becomes disabled. What income does your business need to survive if youre disabled and cant come to work? Disability income insurance pays the money directly to the disabled person. Benefits from disability insurance should protect 60% to 80% of your income. Insurance companies look at occupation three ways: Your occupation Any occupation Pure loss of income Own occupation pays when you cant work at your specific occupation. Any occupation means you must be unable to work at any occupation for which youre trained and educated. Income replacement pays the difference between what you were earning before the disability and what you are earning now. Keep your premium lower by waiting as long as you can before benefits start. That way you can purchase a longer period of time youll receive benefits if you become disabledconsider coverage that will pay you until at least age 65. Opt for a policy that pays residual benefits. That means youll still receive income from your policy if you can work part time, but are still not receiving the same income as before you were disabled. Make sure you have the option to renew your policy and the insurance company cant cancel it. Some policies allow the insurance company to increase premiums, but not just for you. The company must increase premiums for all policyholders. During the time you receive benefits the company should waive your premium. Like most insurance, start young to be healthy enough to qualify for the best policy and to keep your costs down. Protect the golden goose. Everything depends upon you.  Geared for Success 3 minutes to insurance understanding Save money and cover your fatal gaps. 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