Sentences with phrase «use policy benefits»

The best part is you won't be on the hook for life insurance premium payments in retirement but you can use the policy benefits to help supplement your retirement income.

You should choose a deductible that you are comfortable with, but remember that choosing a higher deductible to lower your premium will have you paying more when you need to use your policy benefits because deductible is one of the factors that affect the cost of visitors insurance.

If you have considerable wealth, you can leverage whole life investments into your overall estate planning strategy, setting up a trust that will use policy benefits to pay off estate taxes.

The best part is you won't be on the hook for life insurance premium payments in retirement but you can use the policy benefits to help supplement your retirement income.

That means you'll receive something back if you never use the policy benefit, but a return of premium rider is usually pretty expensive.

We know that is quite restricting so it would be nice if you have a long - term care need that may not require long - term care services for the rest of your life to be able to still receive early benefits and this policy does not require a permanent confinement to a nursing home or permanent type of disability to get the benefits so you are much more likely to be able to use this policy benefit.

If you purchase that type of coverage, your lifetime chance of using policy benefits will fall somewhere between 35 % and 50 % — because most people buy this coverage and use it to get care in their own home.

Not exact matches

By educating employees, enforcing policies, installing protective technologies and, where possible, encrypting IM conversations, you can continue to enjoy the benefits of using IM as a business tool while also mitigating its risks.

Leakage occurs when a company's poor policies for creation, access or usage of the IP technology allow others to unfairly or wrongfully use, benefit from or commercialize your IP or portions of the IP.

Apple's and Facebook's reproductive benefits policies could also appeal to gay and lesbian couples who want to use a surrogate or a sperm donor to have a baby, or heterosexual couples who incur in vitro fertilization costs not covered by insurance.

Further, the Tariff Policy Division has determined that no evidence (end - use certificates) of actual use is required in order for goods to obtain the benefits of tariff item 9948.00.00.00.

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.

I would frame the policy question as «What mix of policies can we use to ensure economic growth and the benefits of that growth are shared by all».

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

To «go on claim,» insurance - speak for using the benefit, you must be unable to perform at least two «activities of daily living,» such as bathing, dressing, feeding and toileting, for most policies.

Bruce Freed from the Center for Political Accountability told Fortune, «Many companies use the Chamber as a cover for tax issues and shaping tax policy to benefit them.»

«Russia then used this stolen information to advance its own interests: destabilizing the U.S. political environment, denigrating Democratic presidential nominee, and supporting the campaign of Donald J. Trump... whose policies would benefit the Kremlin,» the suit charges.

They contend that its open policies prove the benefits of experimenting with data and using information to establish a «direct relationship between an individual's decisions and their impact on the business» — something the grocery chain accomplishes by giving each employee high - level access to the company's financial data, and therefore a greater stake in the business.

To reap those economic benefits, leaders need to use the months ahead to set ambitious clean energy goals for Canada — and then commit to policies to meet them.

Employees work in approximately eight branches of the OCE, including Sustainable Development, Agricultural Labor Affairs, World Agricultural Outlook Board, Climate Change Program Office, and the Offices of the Chief Meteorologist, Environmental Markets, Energy Policy and New Uses, and Risk Assessment and Cost - Benefit Analysis.

The contingency reserve would not be used to finance new policy initiatives, such as the Family Tax Cut and the increase to the Universal Child Care Benefit.

Many people use a cash value life insurance policy to save for their retirement and to provide a death benefit to their beneficiaries.

The monetary policy debate over whether rule - like behavior is preferable to pure discretion dates back at least to Henry Simons in 1936.1 More recently, in their Nobel Prize - winning work, Finn Kydland and Ed Prescott demonstrated that a credible commitment by policymakers to behave in a systematic rule - like manner leads to better outcomes than discretion.2 Since then, numerous papers using a variety of models have investigated the benefits of rule - like behavior in monetary policy and found that there are indeed significant benefits.

The benefit of using an IUL policy as opposed to simply investing in an index yourself is that there is a guaranteed 0 % floor for your investment risk.

What life insurance can do for you: Your life insurance policy can be used to benefit a nonprofit or charitable cause you care about.

Using policy loans without a solid grasp of how their interest is calculated can result in losing most — or all — of your death benefit.

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.

This made it possible for insured individuals to use a portion of their policy's death benefit when it was needed most without selling it off at a discount.

Accelerated death benefits are also known as «living benefits» since you are able to use portions of your policy's death benefit while you are still alive.

Russia then used this stolen information to advance its own interests: destabilizing the U.S. political environment, denigrating the Democratic presidential nominee, and supporting the campaign of Donald J. Trump («Trump»), whose policies would benefit the Kremlin.»

Fortunately for the GOP, Christian conservatives do not believe in education and just are not intelligent enough to realize that the GOP is only using them to gain power so that they can implement policies that benefit the Top 5 % at the exclusion of the rest of America, Christian conservatives included.

We need to say that it is possible for an individual to have faithful reasons for hanging on to substantial wealth: if, for instance, that person uses ownership in a business to pursue policies with important benefits to society, or is able to provide jobs for people that no one else would hire, or is able because of keeping their wealth to accomplish some unique and valuable good that at least equals the good that could be realized if this wealth were wisely given away.

Meanwhile the common people of Venezuela and Bolivia have finally found leaders who have succeeded in using the democratic processes to take control of their governments and to develop economic policies for the benefit of the people rather than transnational corporations.

If the tax code is to be used to penalize conduct that is not criminal but is only contrary to public policy or renders no public benefit, then it is important to notice the assumption underlying that innovation and its implications for all voluntary organizations, particularly churches.

We choose to source fair trade certified organic ingredients wherever possible as part of our internal social justice policy to ensure there is no child labour used, above average wages paid, and education and health care benefits provided to provided to farmers.»

• Helping mothers develop skills and techniques to ensure breastfeeding goes well • Providing expertise in the management of breastfeeding challenges • Training other healthcare workers using current evidence based knowledge • Collaborating with other healthcare workers to meet the family's needs • Investigating and participating in research • Educating policy makers on the economic and health benefits of breastfeeding • Advocating for services to support breastfeeding

«The committee felt that the potential benefits to NOMS [National Offender Management Service] from this research proposal were limited and that the project did not sufficiently link to NOMS priorities and our focus upon identifying ways of improving the effectiveness of operational policy / delivery and maximising the use of our available resources.

Trump's dismissal of Shulkin, and the nomination of a Navy doctor with no known policy views to take his place, has brought renewed focus to an increasingly contentious debate over whether to give veterans the option of using the benefits they earned through military service to see private doctors rather than going to government hospitals and clinics.

Lots of UK farms benefit financially from the Common Agricultural Policy (CAP), which has long been used to channel a large chunk of the EU «s budget into increasingly unsustainable food production methods.

She would use a win to further the appalling set of policies the right wing of her party are intent upon: cutting welfare provision for the disabled and the elderly, cutting housing benefit, furthering the privatisation of the NHS, expanding faith - based and selective schooling, preparing for a post-Brexit bonfire of regulations protecting consumers, employees and the environment.

What's more, cohabiting parents meet the Family Test, the criteria used by the state to streamline benefits and for purposes of policy.

Rather than simply sit back and let the Hudson Valley continue to see jobs leave, he has stepped up to the plate to put his vast public policy experience to use, much to our benefit.

The party's new policy expresses great concern that the current methods used to evaluate defined benefit (ie final salary and career average) pensions have been unable to cope with these unprecedented market conditions, and this, coupled with over-regulation on the part of the Pensions Regulator, had produced wildly volatile deficits which no - one could predict — wholly unsatisfactory for schemes that have to plan over half a century.

«He has continually fought for economic and racial justice for all working people in New York, and used his prosecutorial powers to resist against the Trump Administration's cruel policies, something which benefits all New Yorkers and many people beyond our state.»

The plan, detailed in an 18 - page report prepared by the minority Democrats» Policy Group, includes proposed tax benefits for employers who offer student loan assistance, expansion of state tuition assistance programs and implementation of different student readiness metrics used to determine whether students must take remedial courses.

In a ministerial statement to MPs, Alan Johnson insisted the government is not dropping its policy of using private sector centres to treat NHS patients, insisting they continued to have many benefits.

In addition, these states were more likely to use cost - benefit analysis with respect to large budget areas and when making policy decisions.

Whilst I have been able to use the experience and the clout which came from having been a cabinet minister for the benefit of the constituency in getting a hearing, contributing to policy and providing a voice for local people and for Sheffield at national level, it is clear that the leadership of the party wish to see new faces in ministerial office and a clear break with the past.

The NSABB said that its decision was informed by a new government policy that could facilitate earlier review of «dual - use» research that can both benefit the public and be misused to threaten public health, agriculture or the environment.

Such concerns notwithstanding, a majority of the court found the public benefits generated by race - conscious policies sufficiently compelling to allow continued use of race in admissions.