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Disability Insurance from Employers Henderson NV

While some employers may decide to provide some disability insurance for their employees as part of an insurance benefit package, it is not guaranteed.

Corey Zimet
10620 So. Highlands Pkwy
LAs Vegas, NV
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Company: CBZ Retirement Solutions,LLC
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Asset Protection Strategies & Planning,Individual Income Tax Planning,High Yield Bank Accounts,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Health Care Insurance,Retirement Planning,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Business Income Tax Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Annuity Ideas & Strategy Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Pla

Data Provided by:
Kidz Dentistry-Mark C Peterson
(702) 733-8341
1600 W Sunset Rd Ste
Henderson, NV
 
Renee Bassett, DDS
(702) 436-0702
2501 N Green Valley Pkwy Ste
Henderson, NV
 
Sun Valley Dental
(702) 547-4653
2651 N Green Valley Pkwy Ste
Henderson, NV
 
Warm Springs Dental
(702) 454-0818
1525 Warm Springs Rd Ste 100
Henderson, NV
 
John F. Mack DDS PC
(702) 968-0707
4300 E. Sunset Blvd. Ste. B2
Henderson, NV
 
John A Cerio Insurance Broker
(702) 682-5534
53 Pheasant Ridge Dr
Henderson, NV
 
Kidz Dentistry-Mark C
(702) 733-8341
1600 W Sunset Rd Ste
Henderson, NV
 
Jgnt Benefits Group
(702) 245-2441
749 Monachi Street
Las Vegas, NV
 
Nevada Oral and Facial Surgery
(702) 360-8918
1525 Warm Springs Rd Ste
Henderson, NV
 
Data Provided by:

Disability Insurance from Employers

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Employer Disability Insurance

While some employers may decide to provide some disability insurance for their employees as part of an insurance benefit package, it is not guaranteed. There is no legislation or legal requirement for employers to provide this as a benefit.

As a result, if you are particularly interested in this benefit, you may want to try to negotiate it as part of your compensation package. If you are a valuable employee that a future employer wants to attract, this could be a part of your bargaining process with that employer.

Having said that, you will usually get some kind of short-term disability insurance from your employer. Short-term disability will provide benefit's for periods less than or equal to 6 months. However, this just gets you through a crisis.

On top of everything else that you may be dealing with because of severe illness or accident, your short-term disability insurance is likely to provide too little for you to live on. Most plans only provide between 50% and 70% of your full-time salary. Also, if you get this benefit paid for by your employer, those benefit's that you receive WILL be taxable in most jurisdictions. So, you can't expect it from your employer and you have to be ready with some level of financial planning in order to weather this kind of storm, whether you get it from your workplace or not.

In the end, the numbers usually works out better if you negotiate a higher salary and use the extra to pay for your disability insurance yourself. Why? Because if you ever do have to receive benefit's, these payments will be tax-free. (The principal is based on only taxing dollars once: money on which you have paid tax cannot be taxed again. So, if you have paid tax on the dollars which paid your disability premiums, the benefit's from your insurance are then tax-free.)

If you do get this benefit paid for by your employer, negotiate both short-term disability insurance as well as long-term protection when ...

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