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Disability Insurance from Employers North Las Vegas 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.

American Family Insurance-Cedric Gay
(702) 658-7536
3030 W Ann Rd Ste 110
N Las Vegas, NV
 
StarSmiles Childrens Dentistry
(702) 639-3515
2290 McDaniel St Ste 2A
Las Vegas, NV
 
A Company, Inc.
(702) 647-4000
2701 N Simmons St
N Las Vegas, NV
 
Precious Dental
(702) 436-5222
4210 W Craig Rd Ste 104
Las Vegas, NV
 
Aloha Orthodontics
(702) 648-2564
6592 N Decatur Blvd Ste 160
Las Vegas, NV
 
Insurance Connection-Alan Bourassa
(702) 241-1036
1318 Stable Glen Drive
N Las Vegas, NV
 
Lawrence A Drake, DDS
(702) 643-7720
3603 Las Vegas Blvd N Ste
Las Vegas, NV
 
Joel A Casar DMD
(702) 633-4333
1306 W Craig Rd Ste
Las Vegas, NV
 
Alexander Dental Group/PDS
(702) 614-1792
3896 N Martin Luther
Las Vegas, NV
 
Karen Hom, DDS
(702) 227-6453
7425 W Azure Dr Ste 110
Las Vegas, NV
 

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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