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General Information: pink
Life Insurance: yellow
Disability Insurance: green
Long-term care insurance: blue
Looking into the future: purple

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A large change in financial situation, such as a large increase or decrease of income may affect the need for income. If you lose a large deal of money, you may not be able to afford insurance and coming into money may make you able to afford it.

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Disability insurance depends on what job I have, how much money I make, and how likely I think I am to be in a work accident.

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This is the most flexible and reliable source of coverage that can be self- purchased.

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Skilled care is for serious injuries or illness and it provides specific services for that illness.

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Life insurance is recommended because it will provide for my spouse if I pass before him or will pay for my funeral.

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The federal government gives disability payment to most workers but this is hard to qualify for.

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What types of care are covered by Long-Term Care?

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What types of care are covered by Long-Term Care?

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Skilled Care

Intermediate Care

Custodial Care

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This is the main source of disability payment from the employer.

There is short term and long term depending on the workers need.

Workers are given the option to add this to their baseline coverage option and employees pay for it

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When should you get Long-Term Care Insurance?

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When should you get Long-Term Care Insurance?

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If you develop a chronic illness

If you become disabled and can no longer care for yourself

If you have an injury or illness that Medicare will not cover

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After retirement, there may be no more need for life insurance as you may no longer have a spouse or anyone to financially support.

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Having children or new family members becoming financially dependent on you may make you want to buy life insurance.

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Disability insurance is not necessary because I am retired and have no possibility of being injured on the job.

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Long-care term insurance at this age is not recommended unless it is very likely that I will be in an accident. It is not recommended because I have a spouse, and children to be my caretakers.

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After divorce, if there are no children involved, there may no longer be a need for life insurance.

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Long- term care insurance at this age may be necessary, but depends on the health level of me and my spouse. It may be a good idea to purchase it for the years to come.

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How Do Insurance Needs Change With A Family?

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How Do Insurance Needs Change With A Family?

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Insurance needs change with a family because:

you may want life insurance for your family as they are dependent on you

you may want disability insurance so you still have money for your family even if you are injured

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At this point, it is wise to have life insurance because there are people who are financially reliant on you and who you need to provide for if you pass away.

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Only some states provide short-term disability coverage for six months that workers pay through payroll deduction.

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Workers Compensation

State Disability Insurance Programs

Social Security

Employer Sponsored Coverage

Individual Disability Insurance

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Based on my parents information and insurance, it is predicted at $124,000.

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What Insurance Does a Single Person Need?

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What Insurance Does a Single Person Need?

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You would not need life insurance because no one would benefit or depend on them financially

Disability insurance for someone of that age depends on what job they hold or whether or not they feel they can afford it

Long term care is not necessary unless they have an injury or illness.

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Custodial care is not intended to heal the patient but helps them with day to day activities they can not do on their own.

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Long- term care is not necessary at this age because severe injury is unlikely and I still have a family support system for preexisting debilitating injuries.

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After marriage, it may be a good idea to purchase life insurance because now you have a spouse depending on you and possibly children.

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Disability insurance at this age is optional and depends on what type of job I have, what type of income I have, and how likely I think I am to get in an accident.

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A job change may affect income which may affect if you can afford life insurance and the danger of the job may also affect the need.

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A death in the immediate family may either no longer make it necessary as there is no one financially dependent on you or because there are more people financially dependent on you.

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Life insurance is not needed as there is no one financially dependent on me.

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It is for people who are employed and suffering a disabling illness or injury.

It requires that they pay ⅔ of the workers pre-disability salary.

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It comes into effect when a worker is injured on the job and prevents workers from collecting a paycheck

Anyone with a job should get disability insurance but they should weigh the danger of their job with how much insurance they need.

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What life events should be considered when evaluating life insurance?

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What life events should be considered when evaluating life insurance?

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Marriage

Divorce

New Additions to Family

Change in Financial Situation

Retirement

Death in Family

Job Change

Tax Law Change

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Intermediate care is similar to skilled but is not on a daily basis and is for less severe diseases.

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How Do Insurance Needs Change When you Retire?

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How Do Insurance Needs Change When you Retire?

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You do not need disability insurance insurance because you have no job

Life insurance is only necessary if people are financially dependent on you

Long- Term Care is only needed if you have an injury, illness, or if you can not perform everyday activities

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What life events make you reevaluate disability insurance?

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What life events make you reevaluate disability insurance?

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When you get a new job

When you get married

When you have children

A change in financial situation

Illness or injury outside of work

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Recent injury or illness may create need for life insurance to protect your family in the case of death.