Disability Income Insurance   

残疾收入保险

Disability Income insurance protects you in the case of loss of income. If you lose your ability to work, either from temporary or permanent disability, a disability claim can be made.   

残疾收入保险可以保护您在失去收入的情况下。如果因临时或永久性残疾而失去工作能力，您可以提出残疾索赔

There are many different elements that make up a disability income insurance policy so it is important to understand when and how you will receive the disability income if the need arises. For example, you will need to know how your policy defines and covers short and long-term disability and total disabilities

理解保险条款: 残疾收入保险政策有许多不同的要素，因此了解在需要时何时以及如何获得残疾收入非常重要。例如，您需要了解您的政策如何定义和覆盖短期和长期残疾，以及完全残疾

In addition, it is important to know if there is a waiting period for the income to kick-in and how or if the income from the disability income insurance policy will affect Social Security, workmen's compensation or unemployment benefits. There are also different types of policies to consider such as choosing a short or long-term policy period. Another key element to look for when choosing a policy is knowing if it covers disabilities from both accidents and illnesses.   

此外，了解收入开始支付的等待期以及残疾收入保险收入如何影响社会保障、工伤赔偿或失业福利也很重要。您还需要考虑不同类型的保单，例如选择短期或长期保单期限。选择保单时，另一个关键要素是了解其是否涵盖因意外和疾病造成的残疾

Are you thinking that social security would cover you?   

社会保障能否覆盖您？

Think again. The benefits are limited. To determine your Social Security disability benefits and learn more about benefit eligibility visit www.ssa.gov/disability.   

再想想吧，社会保障的福利是有限的。要确定您的社会保障残疾福利并了解更多关于福利资格的信息，请访问 www.ssa.gov/disability

What about Workers Compensation? 

工伤赔偿如何？

Workers Compensation only kicks in if you are hurt on the job. What happens if you are hurt at home? Think disability income insurance.

工伤赔偿仅在您在工作中受伤时生效。如果您在家受伤怎么办？这时可以考虑残疾收入保险

What if you tore a ligament, while playing on that weekend co-ed baseball team, and had to have surgery. You'd be out of commission for awhile. Disability income insurance can also replace lost income on a temporary basis, while you heal from the hazards of being a "weekend warrior". 

例如，如果您在周末参加混合棒球比赛时扭伤了韧带，需要进行手术。您将需要一段时间恢复，残疾收入保险可以在您从“周末勇士”的伤害中恢复期间，替代您的临时收入

Your greatest asset is your ability to earn a living. Think about it—what would become of you and your family if you suddenly became disabled and were no longer able to work? Disability income insurance can play a crucial role in helping you manage your financial needs if a disabling illness or injury occurs. 

您最大的资产是您的收入能力

想一想——如果您突然失去工作能力，您和您的家庭将面临什么样的境地？残疾收入保险在您遭遇致残疾病或伤害时，可以在帮助您管理财务需求方面发挥关键作用