SCHOOL INSPECTOR EXAM MATE PARIKSHA SANCHALAK ANE PARIKSHA KENDRA NI MAHITI MOKLVA BABAT GR
Health insurance is another one of the four main types of insurance that experts recommend. A recent study revealed that sixty two percent of personal bankruptcies in the US in 2007 were as a direct result of health problems. A surprising seventy eight percent of these filers had health insurance when their illness began. These figures demonstrate that it is important to take out health insurance, and to assess whether your level of cover, if you already have a policy in place, is adequate.
It can be difficult to find affordable health insurance, particularly if you have a pre-existing medical condition, or if you are unable to access health cover via your employer. Again, it can be helpful to consult with a financial advisor to determine what type of policy is right for you.
Many of us doubt that we will ever become disabled, and therefore we omit to take out long-term disability coverage. However, figures show that three in ten workers will become disabled before they reach retirement age, and that twelve percent of the population is currently disabled; almost fifty percent of these people are of working age.
Many employers offer disability coverage as part of their benefits package. If your employer does not offer disability cover then it is advisable to take out your own policy from a private insurer. The best policies offer income replacement of around fifty to sixty percent of your income. Premiums vary considerably according to your age, your current state of health, and your lifestyle.