长期伤残pp王者电子官网在你不能的时候起作用
Most people don't realize the high risk of becoming permanently or temporarily disabled at some point in their lives. If you were totally disabled and couldn't work as a result of an illness or injury, 你今天有足够的资源来支付几个星期的开支吗, months, or even longer?
长期伤残pp王者电子官网是如何运作的?
- It pays monthly income directly to you when you're unable to work because of a covered total disability.
- You choose the length of time you must be disabled before you start receiving benefits (Elimination Period) and the length of time you would receive benefits.
- 选项包括五年的福利期或“至67岁”的福利选项.
- Maximum monthly benefit amounts range from $500 to $20,000, based on your income and occupation.
- 您可以根据不同的骑手定制您的pp王者电子官网范围.
Did you know?
- The average Social Security Disability Income (SSDI) monthly benefit as of October 2021 was $1,441 a month ($17,292 annually).1
- 2021年两口之家的贫困线为17240美元.2
- 根据美国劳工统计局的数据，到2020年3月，35%的美国人在美国工作.S. 劳动力有长期残疾pp王者电子官网.3
通过购买长期伤残pp王者电子官网，每月的津贴可以帮助:
- Pay your bills
- 支付你的房租或抵押贷款
- Buy groceries
- Make car payments
你今天有资源吗?
Using savings
Savings accounts can serve as a temporary safety net, but most people haven't saved enough. 残疾政策可以提供一个长期的解决方案. 40 percent of households don't have enough savings to replace their income for three months.4
收集社会pp王者电子官网
Because the definition of disability is very strict (the disability must be expected to last 12 months or more, or result in death), it generally takes three to five months from time of application for SSDI benefits to get an initial decision.5
考虑长期伤残pp王者电子官网
有关长期伤残pp王者电子官网的更多资料，请浏览 短期伤残pp王者电子官网安排一些时间 State Farm® agent 谈谈你的伤残pp王者电子官网需求.
Make an informed choice
Disclosures
1 社会保障每月统计快照，2021年10月
2 美国卫生与公众服务部2021年贫困指南
3 劳工统计局
4 Disability Statistics
5 Social Security Administration - What You Should Know Before You Apply for Social Security Disability Benefits
伤残pp王者电子官网产品在马塞诸塞州、新泽西州和RI州不可用.
The information provides a brief, general description of the coverage provided by these policies. 它不是合同，适用某些排除和限制. 所提供的pp王者电子官网范围的完整说明只能在pp王者电子官网单本身找到. 保单的覆盖范围、排除范围和限制在某些州可能有所不同.
有关具体条款和条件，请参阅:
长期伤残pp王者电子官网系列97064, 97065 (policy form ICC17 97064IC1 and ICC17 97065IC1 in ID; policy form 97064MT1 (2021) and 97065MT1 (2021) in MT).
This section describes situations and conditions in which payment will be limited or denied even if you otherwise qualify for benefits.
AK, AL, AR, AZ, CT, CO, DC, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NM, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, WI, WV -
Exclusions. This policy does not provide benefits for Disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, 妊娠并发症, 由内科医生诊断, 被视为疾病;
2. 宣战或未宣战的战争，或任何战争行为;
3. 现役军人在武装部队中服役, auxiliary units, national guard, 或任何国家或国际机构的类似政府组织;
4. 您参与重罪、暴乱或暴动的实施;
5. 你从事非法职业;
6. 你的法定醉酒由损失发生的州法律规定, 或因使用麻醉品或其他管制药物而造成的损失, 除非根据医生的建议服用;
7. Injury or Sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days;
9. 企图自杀或故意自残; or
10. The suspension, surrender, or revocation of Your occupational license or certificate.
Limitations. 以下限制适用于本保单:
1. 精神或神经紊乱. The total amount payable under this policy for any Period of Disability caused or contributed to by a Mental or Nervous Disorder shall not exceed a cumulative lifetime maximum of 24 months. 如果您是医院的住院病人，则达到此生命期最大值, this limitation will not apply while You remain continuously confined provided that the confinement is medically necessary to the treatment of Your Mental or Nervous Disorder. This limitation will not extend the Maximum Benefit Period shown on the Policy Schedule.
2. 既存状况限制. 我们将不支付因既存状况造成的损失, unless such loss occurs or disability commences two (2) years or more 在pp王者电子官网生效日期之后.
3. Concurrent Disability. If a continuous Period of Disability is caused or is continued by more than one (1) Injury or Sickness, 这是一种并发的残疾. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) Injury or one (1) Sickness. In no event will You be considered to have more than one (1) continuous Period of Disability at the same time.
CA –
Exclusions. This policy does not provide benefits for Disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, 妊娠并发症, 由内科医生诊断, 被视为疾病;
2. 宣战或未宣战的战争，或任何战争行为;
3. 现役军人在武装部队中服役, auxiliary units, national guard, 或任何国家或国际机构的类似政府组织;
4. 您参与重罪、暴乱或暴动的实施;
5. 你从事非法职业;
6. 你的法定醉酒由损失发生的州法律规定, 或因使用麻醉品或其他管制药物而造成的损失, 除非根据医生的建议服用;
7. Injury or Sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days; or
9. 企图自杀或故意自残.
Limitations. 以下限制适用于本保单:
1. 精神或神经紊乱. The total amount payable under this policy for any Period of Disability caused or contributed to by a Mental or Nervous Disorder shall not exceed a cumulative lifetime maximum of 24 months. 如果您是医院的住院病人，则达到此生命期最大值, this limitation will not apply while You remain continuously confined provided that the confinement is medically necessary to the treatment of Your Mental or Nervous Disorder. This limitation will not extend the Maximum Benefit Period shown on the Policy Schedule.
2. 既存状况限制. 我们将不支付因既存状况造成的损失, unless such loss occurs or disability commences two (2) years or more 在pp王者电子官网生效日期之后.
3. Concurrent Disability. If a continuous Period of Disability is caused or is continued by more than one (1) Injury or Sickness, 这是一种并发的残疾. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) Injury or one (1) Sickness. In no event will you be considered to have more than one (1) continuous Period of Disability at the same time.
FL –
Exclusions. This policy does not provide benefits for Disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, 妊娠并发症, 由内科医生诊断, 被视为疾病;
2. 宣战或未宣战的战争，或任何战争行为. 我们不会将恐怖主义行为解释为不宣而战的行为;
3. 现役军人在武装部队中服役, auxiliary units, national guard, 或任何国家或国际机构的类似政府组织;
4. 您参与重罪、暴乱或暴动的实施;
5. 你从事非法职业;
6. 你的法定醉酒由损失发生的州法律规定, 或因使用麻醉品或其他管制药物而造成的损失, 除非根据医生的建议服用;
7. Injury or Sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. 监禁:在刑事或惩教机构的合法监禁期;
9. Attempted suicide, while sane or insane, or intentionally self-inflicted Injury; or
10. The suspension, surrender, or revocation of Your occupational license or certificate.
Limitations. 以下限制适用于本保单:
1. 精神或神经紊乱. The total amount payable under this policy for any Period of Disability caused or contributed to by a Mental or Nervous Disorder shall not exceed a cumulative lifetime maximum of 24 months. 如果您是医院的住院病人，则达到此生命期最大值, this limitation will not apply while you remain continuously confined provided that the confinement is medically necessary to the treatment of Your Mental or Nervous Disorder. This limitation will not extend the Maximum Benefit Period shown on the Policy Schedule.
2. 既存状况限制. 我们将不支付因既存状况造成的损失, unless such loss occurs or disability commences two (2) years or more 在pp王者电子官网生效日期之后.
3. Concurrent Disability. If a continuous Period of Disability is caused or is continued by more than one (1) Injury or Sickness, 这是一种并发的残疾. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) Injury or one (1) Sickness. In no event will You be considered to have more than one (1) continuous Period of Disability at the same time.
MT –
Exclusions. This policy does not provide benefits for Disability or any other loss caused or contributed to by:
1. 宣战或未宣战的战争，或任何战争行为;
2. 现役军人在武装部队中服役, auxiliary units, national guard, 或任何国家或国际机构的类似政府组织;
3. 你参与了一项重罪, riot, 或是你在法庭上被判有罪的造反。
4. 你从事非法职业;
5. Injury or Sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
6. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days; or
7. The suspension, surrender, or revocation of Your occupational license or certificate.
Limitations. 以下限制适用于本保单:
1. 精神或神经紊乱. The total amount payable under this policy for any Period of Disability caused or contributed to by a Mental or Nervous Disorder shall not exceed a cumulative lifetime maximum of 24 months. 如果您是医院的住院病人，则达到此生命期最大值, this limitation will not apply while You remain continuously confined provided that the confinement, 由医生决定, 是否需要进行评估, diagnosis, or treatment of Your Mental or Nervous Disorder and could adversely affect Your condition if omitted. This limitation will not extend the Maximum Benefit Period shown on the Policy Schedule.
2. 既存状况限制. 我们将不支付因既存状况造成的损失, unless such loss occurs or disability commences 12 months or more 在pp王者电子官网生效日期之后.
3. Concurrent Disability. If a continuous Period of Disability is caused or is continued by more than one (1) Injury or Sickness, 这是一种并发的残疾. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) Injury or one (1) Sickness. In no event will You be considered to have more than one (1) continuous Period of Disability at the same time.
ND –
Exclusions. This policy does not provide benefits for Disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, 妊娠并发症, 由内科医生诊断, 被视为疾病;
2. 宣战或未宣战的战争，或任何战争行为;
3. 现役军人在武装部队中服役, auxiliary units, national guard, 或任何国家或国际机构的类似政府组织;
4. 您参与犯罪或暴动;
5. 你从事非法职业;
6. 你的法定醉酒由损失发生的州法律规定, 或因使用麻醉品或其他管制药物而造成的损失, 除非根据医生的建议服用;
7. Injury or Sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days;
9. 企图自杀或故意自残; or
10. The suspension, surrender, or revocation of Your occupational license or certificate.
Limitations. 以下限制适用于本保单:
1. 精神或神经紊乱. The total amount payable under this policy for any Period of Disability caused or contributed to by a Mental or Nervous Disorder shall not exceed a cumulative lifetime maximum of 24 months. 如果您是医院的住院病人，则达到此生命期最大值, this limitation will not apply while You remain continuously confined provided that the confinement is medically necessary to the treatment of Your Mental or Nervous Disorder. This limitation will not extend the Maximum Benefit Period shown on the Policy Schedule.
2. 既存状况限制. 我们将不支付因既存状况造成的损失, unless such loss occurs or disability commences two (2) years or more 在pp王者电子官网生效日期之后.
3. Concurrent Disability. If a continuous Period of Disability is caused or is continued by more than one (1) Injury or Sickness, 这是一种并发的残疾. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) Injury or one (1) Sickness. In no event will You be considered to have more than one (1) continuous Period of Disability at the same time.
NY –
Exclusions. This policy does not provide benefits for Disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, 妊娠并发症, 由内科医生诊断, 被视为疾病;
2. 宣战或未宣战的战争，或任何战争行为;
3. 现役军人在武装部队中服役, auxiliary units, national guard, 或任何国家或国际机构的类似政府组织;
4. 因犯下重罪而造成的伤害或疾病;
5. 你从事非法职业;
6. Injury or Sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
7. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days;
8. 企图自杀或故意自残; or
9. The suspension, surrender, or revocation of Your occupational license or certificate.
Limitations. 以下限制适用于本保单:
1. 精神或神经紊乱. The total amount payable under this policy for any Period of Disability caused or contributed to by a Mental or Nervous Disorder shall not exceed a cumulative lifetime maximum of 24 months. 如果您是医院的住院病人，则达到此生命期最大值, this limitation will not apply while You remain continuously confined provided that the confinement is medically necessary to the treatment of Your Mental or Nervous Disorder. This limitation will not extend the Maximum Benefit Period shown on the Policy Schedule.
2. 既存状况限制. 我们将不支付因既存状况造成的损失 during the first 12 months, 在pp王者电子官网生效日期之后.
3. Concurrent Disability. If a continuous Period of Disability is caused or is continued by more than one (1) Injury or Sickness, 这是一种并发的残疾. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) Injury or one (1) Sickness. In no event will You be considered to have more than one (1) continuous Period of Disability at the same time.
SD –
Exclusions. This policy does not provide benefits for Disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, 妊娠并发症, 由内科医生诊断, 被视为疾病;
2. 宣战或未宣战的战争，或任何战争行为;
3. 现役军人在武装部队中服役, auxiliary units, national guard, 或任何国家或国际机构的类似政府组织;
4. 因犯下重罪而造成的伤害或疾病;
5. 你从事非法职业;
6. Injury or Sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
7. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days;
8. 企图自杀或故意自残; or
9. The suspension, surrender, or revocation of Your occupational license or certificate.
Limitations. 以下限制适用于本保单:
1. 精神或神经紊乱. The total amount payable under this policy for any Period of Disability caused or contributed to by a Mental or Nervous Disorder shall not exceed a cumulative lifetime maximum of 24 months. 如果您是医院的住院病人，则达到此生命期最大值, this limitation will not apply while You remain continuously confined provided that the confinement is medically necessary to the treatment of Your Mental or Nervous Disorder. This limitation will not extend the Maximum Benefit Period shown on the Policy Schedule.
2. 既存状况限制. 我们将不支付因既存状况造成的损失 during the first 12 months 在pp王者电子官网生效日期之后.
3. Concurrent Disability. If a continuous Period of Disability is caused or is continued by more than one (1) Injury or Sickness, 这是一种并发的残疾. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) Injury or one (1) Sickness. In no event will You be considered to have more than one (1) continuous Period of Disability at the same time.
WY –
Exclusions. This policy does not provide benefits for Disability or any other loss caused or contributed to by:
1. Normal pregnancy and childbirth; however, 妊娠并发症, 由内科医生诊断, 被视为疾病;
2. 宣战或未宣战的战争，或任何战争行为;
3. 现役军人在武装部队中服役, auxiliary units, national guard, 或任何国家或国际机构的类似政府组织;
4. 您参与重罪、暴乱或暴动的实施;
5. 你从事非法职业;
6. 你的法定醉酒由损失发生的州法律规定, 或因使用麻醉品或其他管制药物而造成的损失, 除非根据医生的建议服用;
7. Injury or Sickness that results from cosmetic surgery except: reconstructive surgery when the surgery is incidental to or follows surgery resulting from trauma, infection, 或相关部位的其他疾病, and reconstructive surgery because of congenital disease or anomaly resulting in a functional defect;
8. A period of legal incarceration in a penal or correctional institution of more than seven (7) days or during a period of legal detainment of more than seven (7) days;
9. 企图自杀或故意自残; or
10. The suspension, surrender, or revocation of Your occupational license or certificate.
Limitations. 以下限制适用于本保单:
1. 精神或神经紊乱. The total amount payable under this policy for any Period of Disability caused or contributed to by a Mental or Nervous Disorder shall not exceed a cumulative lifetime maximum of 24 months. 如果您是医院的住院病人，则达到此生命期最大值, this limitation will not apply while You remain continuously confined provided that the confinement is medically necessary to the treatment of Your Mental or Nervous Disorder. This limitation will not extend the Maximum Benefit Period shown on the Policy Schedule.
2. 既存状况限制. 我们将不支付因既存状况造成的损失, unless such loss occurs or disability commences 12 months or more 在pp王者电子官网生效日期之后.
3. Concurrent Disability. If a continuous Period of Disability is caused or is continued by more than one (1) Injury or Sickness, 这是一种并发的残疾. Benefits for a concurrent disability will be paid as if the concurrent disability was caused by one (1) Injury or one (1) Sickness. In no event will You be considered to have more than one (1) continuous Period of Disability at the same time.