One of the most important ways you can save the financial security to ensure that they adequately reflect unforeseen events. A recent study conducted by Harvard University, nearly half of all personal bankruptcies are the result of health interventions - and the majority of people filing bankruptcy had health insurance. Actions that can be TakeMajor health insurance is the cornerstone of any comprehensive health insurance. The plan is intended to cover most medical expenses and pay their doctors and hospitals in case of illness or injury.
These systems are usually offered by your employer and vary greatly in terms of value, of their own pockets for the franchise, the right cost and maximum duration. However, no major medical policies to help pay living expenses, deductions and household expenses such as rent, food and utilities. In order to understand the financial risks if they are sick or injured, it is important that you read the policy Aflac carefully.According recent study by Strategy First, approximately 70 percent of Americans are concerned about the loss of wages of losing their jobs if they are sick or injured.
Many financial advisers recommend keeping the wages of at least six months to prepare for unforeseen events. Although this is a great idea, for many it is not practical - if additional insurance would be a good choice for insurance you.Supplemental "additional insurance is not coordinated with other policies for medical and pay benefits to help with the cost, which can not be covered by basic medical insurance, "said Jeff Herbert, Aflac's director of marketing. More often, he said, the profit is used for household expenses such as installment loans, wages, insurance american family, lost due to the loss of employment, child care or home bills.
There different types of supplementary insurance, including accident, short - term disability, hospital intensive care, cancer / specified disease, hospital reimbursement, long-term care, specified health event, life, dental and vision. Each plan pays benefits for expenses not covered by the main financial products medical.Other that can help with medical expenses are flexible spending account (FSA) and health savings accounts (HSA). Flexible spending account Flexible spending account allows you to allocate pre-tax dollars to be used for medical expenses.
FSA is best used in conjunction with major medical policies and costs which you know you'll face the period.Here cover 'S how it works: When you enroll in a plan, you choose the amount you want deducted from your salary each period and put in your FSA. It 'important that we arrive at a realistic assessment of your medical expenses, because if you do not use all the money lost it.Health Savings AccountsTo be legitimate, HSA must be established in collaboration with qualified insurance policy annual deductible of at least $ 1100 to person and $ 2200 family.
These accounts, insurance american family, can save pre-tax, which will be used for qualified medical expenses. If money is not used on the account continues to grow over time, and disability and / or 65 years, the money can be withdrawn and used for nothing, penalty.Getting a clearer picture of your finances will help to assess the changes he wants to do to protect themselves in case of medical events. Fortunately, many books and websites with tables, which will help you calculate your income, expenses and assets.
If you need more guidance on how to proceed with their financial planning, you can apply for financial planning, insurance agent or a non-profit organization that provides financial advice.
ไม่มีความคิดเห็น:
แสดงความคิดเห็น