Bernanke says recovery will take timeFederal Reserve Board Chairman Ben Bernanke told business leaders in Austin on Monday that while national economic recovery will take time, the statutory framework that the government has put into place should help the process. Airlines contend with sinking fuel prices, economyA combination of a recessionary economy and sinking fuel prices is yielding complex results for the airline industry. (BA) UT?s Center for American History renamed for former Tex. GovernorThe Center for American History at The University of Texas at Austin will be named for former Texas Governor Dolph Briscoe following a major donation. Elizabeth Christian named to LBJ boardLocal public relations executive Elizabeth Christian has joined the board of trustees for the Lyndon Baines Johnson Foundation. Local philanthropists pledge funds for ArthouseAustin philanthropists Mickey and Jeanne Klein, Julie and John Thornton and one other anonymous donor are offering a matching gift challenge to benefit the Arthouse at the Jones Center. Pilgrim?s Pride files for Ch. 11Chicken processor Pilgrim’s Pride Corp. confirmed Monday that the North Texas company has filed for Chapter 11 bankruptcy protection. (PPC) It's official: U.S. in recessionThe U.S. economy has been in a recession for all of 2008, the National Bureau of Economic Research says. Leander plant closing; 101 to be laid offThe closing of a Leander plant that makes high-end tubs and whirlpools will leave 101 people out of work. Holiday shopping up going into 'Cyber Monday'Reports show better-than-expected results from online shopping over the Thanksgiving weekend. Fed financial infusions now at $8.5 trillionFederal bailouts, equity buys into banks and investment houses, liquidity infusions by the U.S. Federal Reserve Bank, loan guarantees and economic stimulus checks now total $8.5 trillion, according to various estimates.
Premiums
When you apply for disability life insurance, there are several factors that will influence your premium;
Occupation: The more dangerous your job is, the higher the premium will be. A construction worker will face higher premiums than dental hygienists or beauticians.
Health: If you have a medical history with sickness and operations, the disability carriers will charge more for your policy. They see this as a greater risk that they will have to pay out on the policy.
Benefit Period: How long do you want your recuperation time to be? Although a longer period will be better for your healing, the longer a company has to pay out, the higher the premiums will be.
Elimination Period: This is the amount of time you are injured before a company commences to pay you. Policies have different elimination periods with retroactive periods that will reimburse you to the first day. The longer the period, the cheaper the premium.
Policy Provisions: A policy that pays total and partial disability will cost more than one that pays just for total disability.
Other Disability Life Riders
There are several more provisions that will affect the cost of your disability life policy. These policies are rated on a person by person status, and explain why two people of the same age and occupation can have varying premiums. Consult your local broker to discuss your options for your disability life insurance.
How Important Is Disability Life Insurance?
How important is it for your monthly income to continue? If you cannot work and do not have disability life insurance, you will have no income from employment after any benefits expire.
Perhaps you have income from investments to cover the shortfall? If so, well and good, so long as do not start eating into the capital.
So Why Not Try To Get Disability Life Insurance?
Great question; why not try and see if you can qualify for disability life insurance?
Article Source: Articles Beyond Better
Ivon T. Hughes of The Hughes Trustco Group is the author of the Life Handbook: How To Get The Best & Cheapest Life available FREE to all new subscribers at: www.hughestrustco.com
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