The appropriate rider allows premium payments to be waived in the event of disability. There is usually a waiting period of 3 or 6 months once the policy owner becomes disabled before the first premium will be waived.
Long-term disability insurance plans are made to pay benefits for a longer time. The premiums are normally greater the longer the benefit term. This is why insurance companies offer optional clauses so you can customise your coverage to meet your needs. Benefit for Basic Partial Disability, If you sustain a disease or injury that affects your capacity to work but does not result in total disability, this offers partial payments. Benefit for Enhanced Partial Disability, For fee-for-service professionals and business owners, this specific Guardian rider may be especially useful. It offers benefits when you experience an income loss of 15% or more simply as a result of illness or injury.
Learn more about Disability riders here:
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Answer:
20,000- to 25,000-hour mark
Explanation:
To help cope with the negative psychological consequences of being held captive, a person (particularly in the military setting) should strive to:
<span>Have faith that the U.S. government will support his/her family
Reaffirm his/her will to live and focus on positive reasons to return home
Keep his/her mind active by recalling fond memories or designing a house
The first is to build up faith so as to allow the person to continue to hope. The second and third help to keep the mind preoccupied and strengthen his/her will and determination to get through the obstacle. </span>
