On average 1 out of every 3 Americans will, at some point in their career, become disabled for at least 90 days. This is a very frighten statistic because most people do not carry appropriate disability insurance. Some companies offer a built-in disability insurance plan but those types of plans often provide minimal coverage. The fact is, if you are disabled for 5 years you may risk losing your home, lose the ability to pay bills and lastly to the ability to provide for your family. The best thing you can do to prevent this is to apply for disability insurance through a private company. Most private disability insurers will pay up to 80% of your salary as opposed to company policies which only offer about 60% of salary.
There are several disability insurance types. You should be familiar with them so you can understand what your company does or does not offer.
Short Term Disability Insurance
Almost all large companies and most small companies offer short term disability insurance. This means that you will still receive a portion of your pay if you have an illness for up to a year. A common reason for needing short term disability insurance is having a baby, which most women take a 3 month maternity leave. Often times the amount of time you will receive will be dependent upon how long you have worked for the company. It should be noted that most companies do put a cap on how much disability salary they will pay. Unfortunately, the cap is often set very low so you may end up making 10% of your normal yearly salary if you are disabled for a year.
Long Term Disability Insurance
Long term disability insurance covers people who are out of work for more than a year. Some companies do not offer this type of insurance because it can be very costly to provide to their employees. If a company does offer a long term disability policy, the most you can make in relation to your regular salary is about 60%. Like short term disability insurance, companies can set a cap on how much they will pay you long term. Since this is the case, it may be beneficial for you to obtain your own insurance policy so you can avoid losing out on such a large amount of pay.
Benefits of Individual Plans
There are many benefits to individual plans because they offer a lot more flexibility and coverage at a more premium price. One of the major benefits of individual plans is the ability to receive disability pay on bonuses above your salary. The majority of company policies do not offer this because it becomes extremely expensive. Also, you can always take out a small individual policy to enhance your current company policy. This way you can get the benefits from having 2 policies as well as saving money by only having a limited individual policy.
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Your domain is one of the most mission-critical purchases your business will ever make. Speak with us
about domain brokerage and work with our experts to acquire your desired assets for the best price –
delivered with an end-to-end service.
Budgeting
Brand Protection
Strategy
Appraisals
Acquisition
Transfer & Registration
Market Research
Contract Negotiation
WE’VE SECURED PREMIUM DOMAINS FOR SOME OF THE WORLD’S BIGGEST BRANDS
WHY WE’RE TRUSTED
We’ve Done Half a BILLION Dollars of Domain Deals
Domain Transactions
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Domain Name Sales
$550M+
Years of Experience
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WHAT PEOPLE SAY
Real Success, Real Clients
"When starting a company, the Saw.com broker service team are some of the first people I call. A memorable
name, and the domain and social handles behind it, creates a huge amount of brand equity right out the gate
— no matter how big or how small your company is. From diapers.com to jet.com (and many more to come!) the
Saw.com domain broker team has helped my companies be seen."
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Serial Entrepreneur
"We have worked with Saw.com since their inception and would not work with anyone else. They help us in all
facets of business - from sales and transfers to renewals, SSL issues and any other matters that may arise.
You will not find a better, more trustworthy business that has maximized our profits."
FUTURE MEDIA ARCHITECTS
WHY CHOOSE US?
Nobody Does Domain Deals Better
Deep Experience
Our team is full of domain experts and our CEO, Jeffrey Gabriel, has contributed to $550m in domain transactions including blockbuster sales like the record-breaking $13m for Sex.com.
Intimate Service
We only work with individuals and corporations who we feel can gain the most impact from our services. We're not a high-volume shop, so you never become "a number on the spreadsheet".
Secure Marketplace
Saw.com's global marketplace brings buyers and sellers together for seamless domain transactions. We have more domain data than any other platform, with 250,000+ names listed for sale.
Quality Brokers
Work with our brokers - the brightest minds in the business and stone-cold killers when it comes to buying and selling domains. We speak English, Spanish, Chinese, Russian, and more.
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