Sentences with phrase «purchasing life and disability»

Level 2: increasing income, purchasing life and disability insurance, repaying high - interest debt, beginning retirement savings.

As your income grows and you have more responsibilities, consider purchasing life and disability insurance either through your employer sponsored plan or with an individual policy.

Not exact matches

(a) Schedule 2.7 (a) of the Disclosure Schedule contains a list setting forth each employee benefit plan, program, policy or arrangement (including any «employee benefit plan» as defined in Section 3 (3) of the Employee Retirement Income Security Act of 1974, as amended («ERISA»)(«ERISA Plan»)-RRB-, including, without limitation, employee pension benefit plans, as defined in Section 3 (2) of ERISA, multi-employer plans, as defined in Section 3 (37) of ERISA, employee welfare benefit plans, as defined in Section 3 (1) of ERISA, deferred compensation plans, stock option plans, bonus plans, stock purchase plans, fringe benefit plans, life, hospitalization, disability and other insurance plans, severance or termination pay plans and policies, sick pay plans and vacation plans or arrangements, whether or not an ERISA Plan (including any funding mechanism therefore now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the Company (collectively, the «Company Employees») has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or (ii) the Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligation.

(7) the remanufacture by such entity of a rail passenger car that is to be used to provide specified public transportation so as to extend its usable life for 10 years or more, or the purchase or lease by such entity of such a rail car, unless the rail car, to the maximum extent feasible, is made readily accessible to and usable by individuals with disabilities, including individuals who use wheelchairs.

(B) to purchase or lease for use on such system a remanufactured vehicle which has been remanufactured so as to extend its usable life for 5 years or more, which purchase or lease occurs after such 30th day and during the period in which the usable life is extended; unless, after remanufacture, the vehicle is, to the maximum extent feasible, readily accessible to and usable by individuals with disabilities, including individuals who use wheelchairs.

In part, this is because insurance to protect assets is forced on us in many cases (your mortgage company will require you to have homeowner's insurance and auto insurance is mandatory in 49 states), but nobody is forced to purchase life or disability insurance.

You will learn all about health insurance, dental insurance, vision insurance, long term disability insurance, short term disability insurance, life insurance, 401 (k) plans, employee stock purchase plans, pensions, beneficiaries, pre-tax deductions, after - tax deductions, and a whole lot more.

When purchasing income protection, consider what other types of life insurance you need as well, such as life cover and total and permanent disability cover.

At large employers, your benefits packet is loaded with information on health insurance, dental insurance, vision insurance, disability insurance, life insurance, wellness programs, stock purchase plans, flexible spending accounts, health savings accounts, time off and leave policies, and company retirement plans.

When purchasing trauma cover, consider what other types of life insurance you need, such as life cover, total and permanent disability cover and income protection.

Total and permanent disability cover is almost always purchased together with life cover and can provide a financial safety net if you get a serious injury or illness that stops you from working.

II) Seller guarantees that the puppy is in good health and at the time of delivery Seller will provide buyer with a chart detailing puppy's treatment under Seller's care, including vaccines and worming.III) Seller guarantees that puppy is free from life threatening genetic diseases or disabilities for one year after date of purchase.

The process is almost the same as purchasing individual life and / or disability insurance.

So, in nearly all situations, business owned life and disability insurance does not affect the amount of personal insurance that you can purchase.

Key man insurance, commonly referred to as key person insurance, is essentially life and / or disability insurance purchased by a business on the life of a key employee or business owner to offset financial losses that would arise from his or her death or extended illness.

For years, companies both large and small have purchased and owned both key man life and key man disability insurance policies on the lives of their strategic people so that business continuity can be maintained in the unforeseen circumstances of a death or disability.

For those small businesses with a fair amount of employees, Assurity also has several options for voluntary benefits making it easy for employees to purchase life, disability and other insurance products.

In Oregon, the rider form numbers are as follows: Accidental Death Benefit: 208 - 200; Children's Insurance: 208 - 247; Chronic Care Rider: ICC13 -231-72; Disability Waiver of Premium: 208 - 225; Living Benefits: 206 - 496.27; and Spouse's Paid - Up Insurance Purchase Option: 205 - 375.

Mortgage brokers and bank loan officers will sometimes promote you to purchase mortgage life insurance and even disability income insurance in case you were to pass away unexpectedly or become ill and no longer be able to work and generate an income.

With all those monthly policies, you may be able to purchase a traditional life and / or disability policy for less and get more coverage, not to mention after your credit balance is paid with a traditional policy your dependants would receive the remaining amount.

One good tip when purchasing liability insurance is to forego personal injury protection, since these costs will usually be covered by your health, life, and disability insurance.

And remember that if you purchase a credit insurance policy that encompasses all 4 types of credit insurance (life, disability, unemployment, and property), make sure you are not paying for something you don't neAnd remember that if you purchase a credit insurance policy that encompasses all 4 types of credit insurance (life, disability, unemployment, and property), make sure you are not paying for something you don't neand property), make sure you are not paying for something you don't need.

You might think, why would I want to purchase a graded premium disability insurance policy and pay more over the life of the policy?

In addition to life insurance, purchasing disability insurance can also be affected by bone and joint disorders.

Additional products (critical illness, term life, dental, disability, and vision) can be purchased at any time.

«If you plan to go abroad — even on a day trip to the United States — you should purchase the best supplementary travel insurance you can afford?health, life, disability, driving, vehicle, and trip cancellation?before you leave Canada.

The court further supported its position by observing that the legislature specifically carved out exceptions to the contestability period in cases of fraud in the purchase of disability and health insurance policies, but provided for no such exception for life insurance policies.

The additional coverage provided by some disability riders, and the option to purchase additional life insurance at the same health rating as the original policy provided by the guaranteed insurability rider has significantly improved policy owners peace of mind and quality of life.

If you are already past your 20s and you didn't purchase life insurance or long - term disability insurance, you can still find savings on both types of policies, and working with an independent agent is one of the easiest and best ways.

Some riders are specific to whole life, such as the guaranteed insurability rider (which allows you to purchase more life insurance without underwriting), and the disability income rider (which actually pays you in addition to waiving premiums if you are disabled).

The decision to purchase life, disability or critical illness insurance is one of the most important decisions you will make, and you need to be properly informed about the product (s) as well as the companies selling them.

As an entry - level Automotive Technician (Quick Lube Tech) you will quickly and efficiently perform... dental, life, and disability insurance, employee vehicle purchase program and advancement...

The Chasm Group, LLC and Chasm Institute, LLC (San Bruno, CA) 1997 — 2008 Business Operations Manager • Managed all daily operational tasks for leading multi-million dollar high - tech market strategy consultancy, while providing executive administration to C - level executives and venture capital partners • Developed and managed the firm's annual budget, proposing and implementing expense cuts, producing monthly reports and financial statements, and coordinating with CPA firm for accurate and timely filings • Oversaw all client relationship management efforts while cultivating new business efforts from concept to implementation, providing high - quality service in sales efforts while utilizing new lead tracking system • Negotiated and managed all contracts, stock grants, and financing arrangements, working closely with outside counsel to draft legal documents and resolve LLC - and proprietary - related issues • Led three office space build - outs and two office relocations, managing all aspects of each process under aggressive timeline and budget expectations • Reduced firm telecom expenses by 22 % by streamlining IT objectives, including migration to VOIP phone system, software / hardware purchases, domain renewals, and outsourced technical support • Directed all phases of staff recruitment while creating and implementing all HR policies and programs, including comprehensive employee benefits plans • Supervised multiple administrative staff members, conducted performance appraisals and wage / salary surveys in comparison to incentive program guidelines, and maintained HR files in accordance with legal mandates • Produced all out - going client invoices in an accurate and timely fashion to increase, cash flow and reduce aging receivables, providing consistent attention to overhead costs and vendor arrangements • Administered all company insurance policies, including E&O, general liability, bonds, partner life and disability, conducting annual benefits reviews and employee / company insurance audits • Obtained necessary certificates for consulting contracts while processing federal, state, and local business reporting requirements to maintain licenses and incorporation status • Directed all marketing efforts and oversaw logistical aspects of national educational workshop series, utilizing sponsorship arrangements to offset production costs • Transformed «brochure» website into a dynamic tool to better illustrate company opportunities through relevant case studies, as well as maintaining all other promotional media, including press kits and video Association of California School Administrators (Burlingame, CA) 1993 — 1997 Issues and Planning Committee Coordinator • Executed all phases of event planning and implementation for a membership - driven organization including 23 state committees, 5 task forces, 6 strategic planning conferences, and a conference of 1,500 attendees • Focused on facility evaluations, bid requests, site visits, contract negotiations, and all pre - and post-conference planning processes • Produced statistical and financial reports, including budget projections and cost monitoring for developmental training efforts • Oversaw all participant - level responsibilities, including inquiries, eligibility, registration, correspondence, and billing statements • Managed all legal professional standards calls for Northern California regions, including the processing of attorney authorizations, the preparation of legal assistance letters, and liens on cause of action • Served as second point of contact for computer inquiries and troubleshooting efforts as well as provided back - up executive administrative support for Executive Director, Committee Chairs, and the State Superintendent of Public Instruction • Held responsibility for software installation and hardware configuration while performing weekly AS / 400 backup and report generation

So can essentially purchase the whole life policy on interest while you use the money for investments that gain you a lot more and you get free money with the insurance policy and you get not only protection against premature death, but you get disability protection.

The Homeownership Coalition for People With Disabilities (Serving central Illinois) The coalition's mission is to identify and assist all people, regardless of their disability, in purchasing their own home, allowing them to live in their community as independently as possible.