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Starting off you would need to put a lot of money into savings and get disability insurance so you would be able to be financially stable if you are injured, an emergency fund would be good as well. Life insurance along with disability insurance will be necessary when you start a family so your family will not be hurt financially if you die. When you retire and struggle to get around, long- term care insurance would help you as you continue to age. When you eventually die life insurance will help supports those that rely on you.

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My life is worth the amount in my savings account plus the earning i will earn later in my life. I would be worth the money i would of made at work and it will impact the people that would be reliant on me (Ex: Parents/family etc.)

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Helps pay for current and future financial obligations which helps create stability for your family and other who depend on you.
-Mortgage
-Car loan
- Credit card debt
-Taxes
-Estate settlement costs
-Health care
-Housing
-Utilities

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If you have job , you will need disability insurance because it is possible you could get injured and would need support while you recover.

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Retiring- you will not have to worry about disability insurance as much because you are no longer receiving an income
Getting Married- If you are helping provide for another person, your absence from work could hurt, so you need the insurance to back your in case
Kids- More people to support, absence from work would hurt
Debts(including loans)- if you are working to pay off debts, time off work can causing the repayment of these loans to slow down
Job Type- If you work a desk job, disability insurance is important, but not as important if you work in a factory or another job that included manual labor.

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Workers Compensation- if you are employed and you suffer a work related injury and you need funds
State Disability Programs - short term disability insurance in six states that last six months and pays workers through payroll deduction
Social Security- Federal Government funded disability insurance which pays for workers but qualifying for it is another challenge.
Employee sponsored coverage- Disability insurance funded by the employers(there short and long term insurance), and it pays you when you is work.
Individual Disability Insurance- very reliable and flexible, you will not have to worry about losing coverage when you change jobs.

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You will need long term care insurance if you develop a chronic illness or become disabled and cannot support yourself.

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Being independent and young you would not need life insurance or long term care yet. Disability would be helpful so you can still receive money in case of illness or injury.

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-Mortgage- you may need to pay for better coverage if your family will struggle to pay off their mortgage without you.
-Car Loan- If someone passes, his/her family will have to pay off the loan which can drastically harm them financially
-Credit Card debt- does not go away after the death so if a lot of debt is built up, better coverage is going to be needed
-Taxes- life insurance will help fulfill taxes which will help the family
- State settlement loans- Life insurance will help cover this
- Health Care- Life insurance will help pa for health care of other dependents.
- Housing- money from life insurance helps pay for housing needs
-Utilities- money from life insurance can help pay for utilities

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The three types care covered are- skilled, immediate care, and custodial care
-Skilled= serious illness or injury you will be able to recover from
-immediate= similar to skilled but it is necessary every day (ex: physical therapy)
-Custodial= intended to help heal and perform daily task such as eating, getting dressed, bathing, etc.There are many variations including nursing home to 24 hour home help.

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At this point life insurance an disability would be vital. You have many assets and dependents so you would need to guarantee you are financially secure if you die or are injured/sick for an extended period of time/

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It is time to buy long-term care insurance because you will most likely need help getting around din the future. Paying for this will help you age easily and gracefuly.