Sentences with phrase «term policy benefits»

So, taking a longer term policy benefits you.

Not exact matches

It also helps to have account logins and passwords, and details that could help caregivers like long - term care policies or veterans benefits eligibility.

In this section, provide employees with a general overview of the benefits you offer in terms of health care, dental, vision, life insurance, etc., but don't discuss specific policies with specific companies.

Such risks, uncertainties and other factors include, without limitation: (1) the effect of economic conditions in the industries and markets in which United Technologies and Rockwell Collins operate in the U.S. and globally and any changes therein, including financial market conditions, fluctuations in commodity prices, interest rates and foreign currency exchange rates, levels of end market demand in construction and in both the commercial and defense segments of the aerospace industry, levels of air travel, financial condition of commercial airlines, the impact of weather conditions and natural disasters and the financial condition of our customers and suppliers; (2) challenges in the development, production, delivery, support, performance and realization of the anticipated benefits of advanced technologies and new products and services; (3) the scope, nature, impact or timing of acquisition and divestiture or restructuring activity, including the pending acquisition of Rockwell Collins, including among other things integration of acquired businesses into United Technologies» existing businesses and realization of synergies and opportunities for growth and innovation; (4) future timing and levels of indebtedness, including indebtedness expected to be incurred by United Technologies in connection with the pending Rockwell Collins acquisition, and capital spending and research and development spending, including in connection with the pending Rockwell Collins acquisition; (5) future availability of credit and factors that may affect such availability, including credit market conditions and our capital structure; (6) the timing and scope of future repurchases of United Technologies» common stock, which may be suspended at any time due to various factors, including market conditions and the level of other investing activities and uses of cash, including in connection with the proposed acquisition of Rockwell; (7) delays and disruption in delivery of materials and services from suppliers; (8) company and customer - directed cost reduction efforts and restructuring costs and savings and other consequences thereof; (9) new business and investment opportunities; (10) our ability to realize the intended benefits of organizational changes; (11) the anticipated benefits of diversification and balance of operations across product lines, regions and industries; (12) the outcome of legal proceedings, investigations and other contingencies; (13) pension plan assumptions and future contributions; (14) the impact of the negotiation of collective bargaining agreements and labor disputes; (15) the effect of changes in political conditions in the U.S. and other countries in which United Technologies and Rockwell Collins operate, including the effect of changes in U.S. trade policies or the U.K.'s pending withdrawal from the EU, on general market conditions, global trade policies and currency exchange rates in the near term and beyond; (16) the effect of changes in tax (including U.S. tax reform enacted on December 22, 2017, which is commonly referred to as the Tax Cuts and Jobs Act of 2017), environmental, regulatory (including among other things import / export) and other laws and regulations in the U.S. and other countries in which United Technologies and Rockwell Collins operate; (17) the ability of United Technologies and Rockwell Collins to receive the required regulatory approvals (and the risk that such approvals may result in the imposition of conditions that could adversely affect the combined company or the expected benefits of the merger) and to satisfy the other conditions to the closing of the pending acquisition on a timely basis or at all; (18) the occurrence of events that may give rise to a right of one or both of United Technologies or Rockwell Collins to terminate the merger agreement, including in circumstances that might require Rockwell Collins to pay a termination fee of $ 695 million to United Technologies or $ 50 million of expense reimbursement; (19) negative effects of the announcement or the completion of the merger on the market price of United Technologies» and / or Rockwell Collins» common stock and / or on their respective financial performance; (20) risks related to Rockwell Collins and United Technologies being restricted in their operation of their businesses while the merger agreement is in effect; (21) risks relating to the value of the United Technologies» shares to be issued in connection with the pending Rockwell acquisition, significant merger costs and / or unknown liabilities; (22) risks associated with third party contracts containing consent and / or other provisions that may be triggered by the Rockwell merger agreement; (23) risks associated with merger - related litigation or appraisal proceedings; and (24) the ability of United Technologies and Rockwell Collins, or the combined company, to retain and hire key personnel.

Though immigration may strain some local budgets in the short term, costs and benefits tend to balance out in the end, said Alex Nowrasteh, immigration policy analyst at the Cato Institute, a libertarian think tank.

As the name implies, term life insurance will provide a death benefit if an individual dies within the policy's term, up to 20 years typically.

-- Take a look at your employee handbook policies and benefits offerings and make sure they use gender - neutral language, rather than gender - specific terms.

But if you owned a partnership policy with a maximum benefit of $ 500,000, for example, you will be allowed to keep $ 500,000 of your assets after your long - term - care insurance runs out and still be eligible for Medicaid.

The policy rationale is that if a company believes the tax relief would be temporary, it would make short - term investments to maximize benefits within the window while eschewing long - term investment that could reap benefits in the longer - term.

Such policies also pay out a death benefit to your heirs when you die, but they are far more expensive than term life.

The death benefit of a whole life insurance policy stays the same for the life of the policy, unless you purchase additional coverage, and often ranges from $ 50,000 to several million dollars (similar to level term).

The benefit of term life insurance policies is that they can be structured to fit your financial situation, as you can customize several features of the policy:

Due to the lifetime coverage and cash value, whole life insurance costs considerably more, meaning it can easily come to 10 times the cost of a term policy with the same death benefit.

Economist Michael Hudson explains how economic terms like capital gains are deployed to mislead the public about who is benefiting from economic policy and where wealth is going.

The paper concludes that with the policy changes to date, including budget cuts and the changes to the Canada Health Act and to the elderly benefit system, the federal government will have a long - term sustainable fiscal structure characterized by a declining debt to GDP ratio.

Term life insurance policies are quite cheap and can come with a variety of riders offering such assistance as disability income, waiver of premiums, and an accelerated death benefit in the case you become permanently disabled.

The following benefits are not subject to the HP Severance Policy, either because they have been previously earned or accrued by the employee or because they are consistent with Company Practices: (i) compensation and benefits earned, accrued, deferred or otherwise provided for employment services rendered on or prior to the date of termination of employment pursuant to bonus, retirement, deferred compensation or other benefit plans, e.g., 401 (k) plan distributions, payments pursuant to retirement plans, distributions under deferred compensation plans or payments for accrued benefits such as unused vacation days, and any amounts earned with respect to such compensation and benefits in accordance with the terms of the applicable plan; (ii) payments of prorated portions of bonuses or prorated long - term incentive payments that are consistent with Company Practices; (iii) acceleration of the vesting of stock options, stock appreciation rights, restricted stock, restricted stock units or long - term cash incentives that is consistent with Company Practices; (iv) payments or benefits required to be provided by law; and (v) benefits and perquisites provided in accordance with the terms of any benefit plan, program or arrangement sponsored by HP or its affiliates that are consistent with Company Practices.

While this makes term life insurance significantly less expensive than permanent life insurance, it also means that you will not receive any benefit if you outlive the policy.

Additionally, the Tax Policy Center has argued that many businesses with too little income or are losing money don't benefit from bonus depreciation, especially in times of economic recovery, and that it may not have much of an impact on long - term investment.

No medical exam life insurance is more expensive than fully underwritten coverage and typically provides fewer options, such as the ability to increase your death benefit or convert a term policy to permanent coverage.

No medical exam life insurance policies are available for both term and whole life insurance, but the death benefits for whole life coverage are typically limited to less than $ 50,000 (while term coverage is usually limited to $ 500,000).

We maintain broad - based benefits that are provided to all employees, including our 401 (k), flexible spending accounts, medical, dental and vision care plans, life and accidental death and dismemberment insurance policies and long - term and short - term disability plans.

Specifically, benefits subject to the HP Severance Policy include: (a) separation payments based on a multiplier of salary plus target bonus, or cash amounts payable for the uncompleted portion of employment agreements; (b) any gross - up payments made in connection with severance, retirement or similar payments, including any gross - up payments with respect to excess parachute payments under Section 280G of the Code; (c) the value of any service period credited to a Section 16 officer in excess of the period of service actually provided by such Section 16 officer for purposes of any employee benefit plan; (d) the value of benefits and perquisites that are inconsistent with HP Co.'s practices applicable to one or more groups of HP Co. employees in addition to, or other than, the Section 16 officers («Company Practices»); and (e) the value of any accelerated vesting of any stock options, stock appreciation rights, restricted stock or long - term cash incentives that is inconsistent with Company Practices.

The benefits of smart growth policies, which are long - term economic development plans, should be prioritized over short - term stimulative policies.

The structure of those benefit plans, and whether there are circumstances that might warrant assets for them, is a subject for legitimate long - term policy debate.

Should you pass away during the term, your beneficiary will receive the policy's death benefit.

With term life insurance, you buy a policy, which has a given death benefit, say $ 250,000.

Most term policies also automatically include an accelerated death benefit rider at no charge.

You can customize a policy by its death benefit amount, term length, and with riders.

Unlike decreasing term life insurance, the death benefit of ART policies does remain the same.

With term and permanent life insurance, you make premium payments so that in the event of your passing, your loved ones and beneficiaries will receive the death benefit proceeds from the policy.

Whole life insurance policies are generally more expensive than alternatives, such as term life insurance, and the death benefit directly impacts that cost, so it's important to evaluate your family's needs before deciding to purchase.

Nationwide has debuted a long - term care accelerated benefits rider for survivorship universal life insurance policies that company insiders informally dub the «parents rider.»

For example, if you have a 30 - year mortgage for $ 300,000, you can purchase a term life insurance policy with a matching death benefit and term length.

If you die during these years, the term policy is there to provide a lump sum death benefit to your survivors.

At certain points during the term of coverage, such as your birthdays, you can increase the policy's death benefit and premiums will be determined using your initial health rating.

With most policies, the payout, called the death benefit, and the cost, or premium, stay the same throughout the term.

You can obtain a loan with terms that fit your needs, and the company's 10 - day payment grace period and late - fee forgiveness policy are both solid benefits.

While term life insurance and permanent life insurance policies provide a death benefit, they differ in many other respects.

When the policy term concludes, the death benefit ends.

Banner Life's term policy includes an accelerated death benefit rider and allows an individual to cash out up to 75 percent of the death benefit if you are diagnosed with a life expectancy of twelve months or less.

When you purchase term life insurance, you agree to pay recurring premiums in return for the commitment by the insurance company to pay a death benefit if the insured happens to die during the term that the insurance policy is in effect.

OPTerm policies are renewable and convertible term life insurance which provide a level death benefit.

A term life insurance policy offers coverage for a specified period of time, meaning that if you die during the term of the policy the beneficiary will receive the specified payout (also known as the death benefit or face value of the policy).

As the names imply, decreasing term policies pay a lower death benefit over time, while level term policies maintain the same death benefit for the term of the coverage.

If, for example, you received a significant promotion and raise 5 years after purchasing term coverage, you might want to convert to a permanent life insurance policy to take advantage of the tax benefits and receive dividends.

Yes, but you neglect to consider that the money you save by opting to go with term insurance can be invested, and you'll probably be out way ahead with that money for your beneficiaries and heirs rather than if they wait for you to die and collect their benefits through a whole life policy.

The following benefits are not subject to the HP Severance Policy, either because they have been previously earned or accrued by the employee or because they are consistent with Company Practices: (i) compensation and benefits earned, accrued, deferred or otherwise provided for employment services rendered on or prior to the date of termination of employment pursuant to bonus, retirement, deferred compensation or other benefit plans, e.g., 401 (k) plan distributions, payments pursuant to retirement plans, distributions under deferred compensation plans or payments for accrued benefits such as unused vacation days, and any amounts earned with respect to such compensation and benefits in accordance with the terms of the applicable plan; (ii) payments of prorated portions of bonuses or prorated long - term incentive payments that are consistent with Company Practices; (iii) acceleration of the vesting of stock options, stock appreciation rights, restricted stock, restricted stock units or long - term cash incentives that is consistent with Company Practices; (iv) payments or benefits required to be provided by law; and

Why not, instead, develop policies designed to benefit people economically, at least, if not in broader human terms.

While this debate has provided fodder for policy wonks, it has not had much influence on Capitol Hill which seems poised to allow federal unemployment benefits to lapse without much of an alternative strategy for getting the long term jobless working again.