This document summarizes disability income insurance and promotes Mutual of Omaha's Disability Income Choice Portfolio. It notes that disability is more likely than death for working adults and can lead to loss of income. It outlines limitations of other potential sources of income replacement during disability, like employer policies, Social Security, workers compensation, and personal savings. The Disability Income Choice Portfolio offers different short- and long-term accident and sickness policies to help protect income in case of disability. Readers are encouraged to speak with an agent to learn more.
Here\'s a quick step by step overview of Income Protection. Contact me for more information or a meeting. It\'s my pleasure to help you answer your questions.
A disabling illness or injury can create a financial burden for individuals and their loved ones. This presentation discusses what options are available if you were to become disabled.
Long Term Disability Insurance Coverage Can Alleviate Your Ordealrenesmeeburton
Long term disability can cause economic hardships, emotional distress, and acute mental agony arising from the feeling that a person is no longer in position to take good care of themselves or family.
Long term care expenses are one of the largest threats to retirment security. 70% of people over age 65 will need some form of LTC. This workshop outlines the potential costs, what expenses are covered by health insurance, medicare and medicaid.
Here\'s a quick step by step overview of Income Protection. Contact me for more information or a meeting. It\'s my pleasure to help you answer your questions.
A disabling illness or injury can create a financial burden for individuals and their loved ones. This presentation discusses what options are available if you were to become disabled.
Long Term Disability Insurance Coverage Can Alleviate Your Ordealrenesmeeburton
Long term disability can cause economic hardships, emotional distress, and acute mental agony arising from the feeling that a person is no longer in position to take good care of themselves or family.
Long term care expenses are one of the largest threats to retirment security. 70% of people over age 65 will need some form of LTC. This workshop outlines the potential costs, what expenses are covered by health insurance, medicare and medicaid.
Across the United States, a legislative movement to mandate paid sick leave time for all employees has picked up significant momentum over the past couple of years. With a number of states, municipalities and even the President advocating for these new mandates, it is important that employers know how these changes impact them.
At a recent Disability Management Employer Coalition event, Spring partner Teri Weber gave the presentation below on paid sick leave laws with fellow industry experts Geoffrey Simpson from Presagia and Mike Soltis from jackson lewis.
We hope you find this deck helpful and please don’t hesitate to reach out to Teri using the form below with any questions about paid sick leave laws or anything related to leave management.
Your ability to earn an income is perhaps one of your most valuable assets. Accidental death & disability insurance lets you insure it. Learn more in this visual presentation about the benefits of this plan.
Learn how to qualify for extra help, about the Affordable Care Act, and much more....we hold events at public libraries in Columbus OH and Atlanta GA....
Across the United States, a legislative movement to mandate paid sick leave time for all employees has picked up significant momentum over the past couple of years. With a number of states, municipalities and even the President advocating for these new mandates, it is important that employers know how these changes impact them.
At a recent Disability Management Employer Coalition event, Spring partner Teri Weber gave the presentation below on paid sick leave laws with fellow industry experts Geoffrey Simpson from Presagia and Mike Soltis from jackson lewis.
We hope you find this deck helpful and please don’t hesitate to reach out to Teri using the form below with any questions about paid sick leave laws or anything related to leave management.
Your ability to earn an income is perhaps one of your most valuable assets. Accidental death & disability insurance lets you insure it. Learn more in this visual presentation about the benefits of this plan.
Learn how to qualify for extra help, about the Affordable Care Act, and much more....we hold events at public libraries in Columbus OH and Atlanta GA....
Help Employees Reach Their Financial Goals - Regardless of the size of your business or the
type of benefits you provide, the Employee
Financial Resource Program offers you many
advantages • Highlights what you provide to your
employees as the foundation of their financial
security, which reinforces goodwill and helps
employee morale and retention
• May increase productivity as employees
gain more control over their financial future
• Allows you to distance yourself from offering
financial advice
• Facilitates offering another valuable benefit to
your employees, with no cost to you
A non-political, mathematical dive into the U.S. Budget gave me a clearer view of a key hidden cause, and the path toward a surprisingly easy fix. Here is what I found.
More than 1 million military service members are due to enter the civilian workforce in the coming years. These U.S. military veterans represent a powerful potential workforce advantage for corporate America, because they bring significant skills and knowledge, such as leadership, discipline, focus and ability to work well in teams. Yet, there’s evidence that corporate America has not yet figured out how to deploy this talented force. This presentation will address the startling numbers that describe the slow integration of U.S. veterans back into the civilian workforce and provide strategies for creating and managing a veteran workforce strategy.
Greg Poulsen, vice president of strategy for Intermountain Healthcare, gave the Salt Lake Chamber Capitol Club an inside look at the federal healthcare bill and the effect it will have on reform efforts in Utah.
TAC$-Advantage<sup>®</sup>
Group Term Life Insurance
TransAccident<sup>®</sup>
Group Off-the-Job Accident Insurance with AD&D Benefit
and Accident and Sickness Disability Income Benefit
The press and politicians have confused America with a new vocabulary for health insurance. This presentation was originally meant for the ladies in the Fort Bend chapter of ABWA. It was designed to help them understand the new terms that are being used and ultimately to understand what the press and politicians are actually saying. The goal is to allow them to form their own opinions about the new Health Care Law and not be forced to rely on someone else to make up their minds.
These are merely minimal suggestions for insurance portfolios during an individuals life-time. Each person is unique and needs to customize their portfolio based on a careful examination of their goals and current financial condition.
Understanding how timely GST payments influence a lender's decision to approve loans, this topic explores the correlation between GST compliance and creditworthiness. It highlights how consistent GST payments can enhance a business's financial credibility, potentially leading to higher chances of loan approval.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the what'sapp contact of my personal pi vendor
+12349014282
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
This presentation poster infographic delves into the multifaceted impacts of globalization through the lens of Nike, a prominent global brand. It explores how globalization has reshaped Nike's supply chain, marketing strategies, and cultural influence worldwide, examining both the benefits and challenges associated with its global expansion.
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Nike Supply Chain
Globalization of Nike
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Genuine Leather Nike
Synthetic Leather Nike
Cotton in Nike Apparel
Nike Shops Worldwide
Nike Manufacturing Countries
Cold Cement Assembly Nike
3D Printing Nike Shoes
Nike Product Development
Nike Marketing Strategies
Nike Customer Feedback
Nike Distribution Centers
Automation in Nike Manufacturing
Nike Consumer Direct Acceleration
Nike Logistics and Transport
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
1. Disability Income Insurance
DI Choice Portfolio
Help protect your
most valuable asset…
your ability to
earn an income!
AFN41276_0112
2. Topics
• Disability Income protection
• Why do you need to protect your income?
• Mutual of Omaha Insurance Company’s
Disability Income Choice Portfolio
3. Disability Income Protection
Your ability to earn an income is your
MOST VALUABLE ASSET!!
Without your
income, what
would happen to…
4. Consider this...
Chance of using your homeowners insurance
1
1 in 20
Chance of using your auto insurance
2
1 in 15
Chance of missing at least 90 days
of work due to a disability
3
1 in 3
1 International Organization for Standardization (ISO), Homeowners Insurance Losses, 2002-2006 (2008 most recent)
2 Highway Loss Data Institute, Collision Coverage Insurance Losses in Years Since Introduction, 2004-2006 (2008 most recent)
3 America’s Health Insurance Plans (AHIP), Baby Boomer Awareness of Disability Risk Study (2008 most recent)
5. Risk of Disability* is Greater
than Risk of Death
FEMALE MALE
15 Mortality 15 Mortality
Disability Disability
Rate per Thousand Lives
Rate per Thousand Lives
12 12
9 9
6 6
3 3
0 0
Age 35 Age 45 Age 55 Age 35 Age 45 Age 55
*Disability lasting 90 days or more
Sources: National Association of Insurance Commissioners (NAIC) Commissioner’s Individual Disability Table A (1985); Statistical Abstract of
the United States; most recent available
6. Financial Consequences of Disability
If you were permanently disabled, the amount of
future income you’d lose is sobering...
Present Years Until Annual Income
Age Retirement $25,000 $50,000 $75,000 $100,000
30 35 $1,511,552 $2,418,483 $4,534,656 $6,046,208
40 25 $911,482 $1,458,371 $2,734,445 $3,645,926
50 15 $464,973 $743,957 $1,394,919 $1,859,591
60 5 $132,728 $212,365 $398,185 $530,914
Note: Figures include an annual 3 percent wage increase
7. Mortgage Foreclosure
• One of every two foreclosures
is due to a disability 70%
Foreclosures due to death
Foreclosures due to disability
• Only 2% of foreclosures are 60%
due to death 50%
40%
30%
20%
10%
0%
Foreclosures
Source: National Safety Council, Injury Facts (2004); most recent available
8. Why Disability Income Protection?
If you were disabled, how would you pay for:
•Mortgage/Rent •Child Care
•Car/Transportation •Education
•Credit Cards •Clothing
•Groceries •Insurance
•Utilities •Entertainment
9. Other Disability Income Sources
• Other income protection options may not be
available when you need them
10. Employer-Paid Disability Insurance
Disability plans through employers usually are
not portable and typically cover 60% of your
monthly income, up to a specified maximum
monthly benefit.*
*Insurance and Financial Advisor, “Finding successful multi-life DI approaches” (2007 most recent available)
11. Government Disability Insurance
Will you qualify for Social Security Disability,
and, will it be enough?
$100,000
Annual Lost Income
Annual SSDI Benefits
Annual SSDI Benefits
$80,000
Plus Lost Income
$60,000
$40,000
Federal Poverty Level
$20,000
Family of 4 for 2011 ($22,350)
$0
$25,000 $50,000 $100,000
Annual Pre-Disability Income
Source: Social Security Administration, Applications for Disability Benefits & Benefit Awards Table 1965-2010
12. Workers’ Compensation
Insurance that pays for disability as a result of an
on-the-job injury. Will you be covered?
On-the-job Injuries
On-the-job Illnesses
3.5% Off-the-job Injuries
0.4%
6.6%
Off-the-job Illnesses
89.5%
Source: National Safety Council; JHA 2002 U.S. Group Disability Rate and Risk Management Survey; most recent available
13. Tap into Personal Savings
Most Americans will exhaust their savings after only
a few months...
9 $100,000
In Months of Pre-disability Income
8 $50,000
7 $25,000
Average Savings -
6
5
4
3
2
1
0
Age 35 Age 45 Age 55
Age at Disability
Source: U.S. Census Bureau of Income Program and Participation (2004); most recent available
14. Disability Income Protection
How does Disability Income
protection work for you?
Disability Income policies pay a cash benefit when
you can’t work because of a covered
accident, injury or sickness.
15. Disability Income Choice Portfolio
• Choice of the following products:
– Short-Term Accident Only
– Short-Term Accident and Sickness
– Long-Term Accident and Sickness
16. Something to Think About….
• If you owned a goose that laid golden
eggs, which would you insure -- the goose or
the eggs?
17. Disability Income Protection
Help protect yourself and your family from the
effects of a disability by insuring your most
valuable asset...
Talk with an agent* TODAY!
18. Disability Income Protection
Questions?
For future assistance with your disability income or
other insurance needs,
please contact [Name] at [Phone Number].
19. This is a solicitation of insurance and a licensed insurance agent* will contact you.
Disability income policy form numbers D81, D82, D83 (In FL, D81-21283/21231 D82-21284/21232, D83-21285/21233; in
ID, OR, and Texas, D81-20896/20897, D82-20898/20899, D83-20900/20901; In NY, D81-21098/21099, D82-
21100/21101, D83-21102/21103; in NC, D81-21008/21009, D82-21010/21011, D83-21012/21013; in OK D81-
21014/21015, D82-21016/21017, D83-21018/21019; in PA, D81-21080/2108, D82-21082/21083, D83-
21084/21085; in WA, D81-21038/21039, D82-21040/21041, D83-21042/21043). These policies have exclusions and
limitations. Products may not be available in all states. For costs and complete details of coverage, contact your licensed
insurance agent*. Mutual of Omaha Insurance Company is licensed nationwide.
In New York, these polices provide disability income insurance only. They do NOT provide basic hospital, basic
medical or major medical insurance as defined by the New York State Insurance Department. The expected benefit
ratio for policy form numbers D81-21098, D82-21100, and D83-21102 is 55% (D81-21099, D82-21101, D83-21103
is 60%). The ratios are the portion of future premiums, which the Company expects to return as benefits when
averaged over all people with these policies.
*In WA: producer