Not exact matches
It is
really about taking account of significant differences among students in
terms of their ability (or
disability), rate of learning, language proficiency, literacy and numeracy skills — and then using this knowledge to adapt the way the curriculum and learning activities are presented.
Most employers with a workforce of any size offer short
term disability which is
really just «sick pay,» an insurance that continues your paycheck even if you are out sick.
Dentists need long -
term disability insurance for one primary reason: Becoming a dentist is
really expensive.
This ensures that your
disability really is long -
term and that making a claim on your long -
term disability insurance is appropriate for the situation, and that your short -
term disability, which many people have automatically through their employer, doesn't overlap with long -
term disability benefits.
(1) Whole life on him (retirement savings, so this probably doesn't
really count)(2)
Term life on me (3) Large amounts on our auto insurance (4) Maxed out homeowners insurance (5) Umbrella insurance (6)
disability ins on him (7) flood ins (not required)(8) earthquake ins (not required)(9) health insurance
One thing I don't see mentioned is long
term care insurance — it's my (admittedly vague since I'm just starting to look at all this) impression that most long -
term disability insurance doesn't
really help if your long -
term disability * increases * your expenses significantly.
Really need to learn more about short
term disability.
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Shannon: I think that's a great point that
really only 10 % of coverage of long -
term disability claims are actually things that people think
disability insurance would cover.
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Shannon: So even though it says long -
term disability, it
really does have a shelf life if it's provided by your company.
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