{"id":4278,"date":"2017-10-01T21:02:00","date_gmt":"2017-10-01T21:02:00","guid":{"rendered":"https:\/\/fusionwm.com\/?p=4278"},"modified":"2023-01-17T16:31:45","modified_gmt":"2023-01-17T16:31:45","slug":"when-the-worst-happens-are-you-really-protected","status":"publish","type":"post","link":"https:\/\/fusionwm.com\/when-the-worst-happens-are-you-really-protected\/","title":{"rendered":"When the Worst Happens, Are You Really Protected?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"432\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-13-at-3.06.19-PM-1024x432.jpg\" alt=\"When the Worst Happens, Are You Really Protected?\" class=\"wp-image-4282\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-13-at-3.06.19-PM-1024x432.jpg 1024w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-13-at-3.06.19-PM-300x127.jpg 300w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-13-at-3.06.19-PM-768x324.jpg 768w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-13-at-3.06.19-PM-1536x648.jpg 1536w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-13-at-3.06.19-PM.jpg 1840w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><em>William, an entrepreneur making around $300,000 a year, suffered a debilitating injury that left him unable to stand\u2014let alone work. For the next ten months, he was unable to do much of anything.<\/em><\/p>\n\n\n\n<p><em>Lacking disability insurance, he was forced to take money from his company\u2019s coffers to pay his bills and take care of his family\u2019s financial needs. He also needed to come up with funds to pay for someone to come in and run his firm while he was flat on his back. In the end, he burned through his cash and very nearly went bankrupt.<\/em><\/p>\n\n\n\n<p>If you don\u2019t think this could be you someday, think again. Do you realize that you may be three times more likely to become disabled for an extended period than you are to die before age 65?<\/p>\n\n\n\n<p>While death and taxes are life\u2019s only two certainties, it seems disability may be close behind.<\/p>\n\n\n\n<p>Here\u2019s why that\u2019s such a big deal. We\u2019ve discovered that far too many business owners have not taken steps to protect themselves\u2014and their incomes\u2014from the financial carnage that can occur in the wake of suffering a disability.<\/p>\n\n\n\n<p>It\u2019s time to ask yourself a few questions:<\/p>\n\n\n\n<ul><li>What would happen to me, my family and my company if I were to become unable to work?<\/li><li>Do I have the protections in place that I need in order to ensure my personal and professional financial security if I become disabled?<\/li><\/ul>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">A shocking lack of protection<\/h1>\n\n\n\n<p>Despite the sizable threats that becoming disabled can present to financial security, few business owners actually have disability insurance protection in place.<\/p>\n\n\n\n<p><strong>Example:<\/strong> Less than one-fifth of entrepreneurs we studied have individual disability insurance\u2014policies purchased by the business owners themselves that can offset the loss of income that would occur from their being unable to work (see Exhibit 2).<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"442\" height=\"456\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-188.png\" alt=\"\" class=\"wp-image-4279\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-188.png 442w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-188-291x300.png 291w\" sizes=\"(max-width: 442px) 100vw, 442px\" \/><\/figure><\/div>\n\n\n<p>Even fewer entrepreneurs have bothered to buy business owners\u2019 expense disability insurance\u2014which covers business expenses if owners are disabled (see Exhibit 3). These expenses can include rent and property taxes, utilities, leasing costs, accounting costs, business insurance premiums, employees\u2019 salaries and benefits, and other key expenses that help keep the lights on.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"420\" height=\"440\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-189.png\" alt=\"\" class=\"wp-image-4280\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-189.png 420w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-189-286x300.png 286w\" sizes=\"(max-width: 420px) 100vw, 420px\" \/><\/figure><\/div>\n\n\n<p>Finally, a minuscule percentage of business owners have buy-sell disability insurance, which is designed to allow a partner to buy out another partner who has become disabled and is unlikely to continue in his or her role (see Exhibit 4).<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"440\" height=\"432\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-190.png\" alt=\"\" class=\"wp-image-4281\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-190.png 440w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-190-300x295.png 300w\" sizes=\"(max-width: 440px) 100vw, 440px\" \/><\/figure><\/div>\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Eight questions to ask before you buy disability insurance<\/h1>\n\n\n\n<p>Not surprisingly, disability insurance\u2014like many other types of policies\u2014can be a jumbled mess of terms that create more confusion than clarity. To break through the noise, start by considering these eight questions when evaluating disability insurance.<\/p>\n\n\n\n<ol type=\"1\"><li><strong>What\u2019s the policy\u2019s definition of disability? This is one of the most important features, if not the most important feature, of a disability insurance policy. <\/strong>When you buy disability income insurance coverage, you are essentially buying the insurance company\u2019s definition of disability. <strong><\/strong><\/li><\/ol>\n\n\n\n<p>There are three basic definitions: \u201cown occupation,\u201d \u201cany occupation,\u201d and \u201cpartial\u201d or \u201cresidual\u201d disability.<\/p>\n\n\n\n<ul><li><em>Own occupation.<\/em>&nbsp;This refers to the occupation you were working in just prior to your disability. If your \u201cown occupation\u201d is protected, the policy will not require you to work in another occupation. This is also sometimes referred to as \u201cregular occupation\u201d or \u201cyour occupation.\u201d<\/li><li><em>Any occupation.<\/em>&nbsp;Some policies will not pay benefits if you can perform \u201cany\u201d occupation you are suited to, based on your education, training and experience.<\/li><li><em>Partial\/residual<\/em>. Residual disability insurance pays benefits even if you are not completely disabled (and can work part time). Benefits are based on the income you earn working part time, relative to your previous full-time earnings.&nbsp;Partial disability coverage is similar, but&nbsp;loss of income is not considered. Instead, the policy pays 50 percent (or less) of the benefit that you would get if you were totally disabled. <strong><\/strong><\/li><\/ul>\n\n\n\n<p><strong>Advice:<\/strong> Look for a disability income insurance policy that considers you disabled if you cannot perform the substantial and material duties of <em>your own<\/em> regular occupation. Note, however, that this option is not always available. Based on your occupation, you may be eligible for a less comprehensive definition of disability. Don\u2019t dismiss that coverage. Having some sort of protection is better than having none. You can further enhance your policy with coverage that provides benefits in the event of a partial disability.<\/p>\n\n\n\n<ul><li><strong>What is the amount of coverage? <\/strong>Most plans set a limit on the percentage of your income you can insure\u2014usually 50 to 70 percent of your total gross earnings. We tend to suggest that business owners aim for policies on the high end of the spectrum, assuming such policies are financially feasible, so they can meet their responsibilities and take care of unexpected financial needs without eroding their lifestyles greatly.<\/li><\/ul>\n\n\n\n<ul><li><strong>How long is the waiting period?<\/strong> The waiting period (also known as the elimination period) is the length of time you must wait before disability income benefits begin to be paid if you are too sick or too hurt to work. The period can be as short as 14 days (short-term disability policy only) or as long as a year. As a rule, the shorter the waiting period, the more expensive a policy will be. Most people choose either a 90-day or 180-day waiting period.<\/li><\/ul>\n\n\n\n<p><strong>Note:<\/strong> Benefits are typically not paid until the end of the month following the waiting period. If you have a 180-day waiting period, you\u2019d receive your first benefit check after at least 210 days.<\/p>\n\n\n\n<ul><li><strong>How long will benefits last?<\/strong> The benefit period is the length of time benefits are paid. The shortest benefit period is usually two years. A five-year benefit period is fairly common. Most people purchase coverage that lasts until age 65, or longer if available.<\/li><\/ul>\n\n\n\n<p><br><strong>Pro tip:<\/strong> Buy the longest benefit period you can afford. If you remain in good health, most insurance companies will allow you to upgrade your coverage down the road.<\/p>\n\n\n\n<ul><li><strong>Is the policy noncancelable and guaranteed renewable?<\/strong> If you\u2019ve got a noncancelable and guaranteed renewable disability insurance policy, the insurance company can\u2019t raise your premiums or cancel the policy as long as you pay the premiums\u2014giving you considerable security. A policy that is only \u201cguaranteed renewable\u201d can increase premiums under certain circumstances.<\/li><\/ul>\n\n\n\n<ul><li><strong>Does the policy cover accidents <em>and<\/em> illness? <\/strong>About 90 percent of disabilities are the result of illnesses, according to the Council for Disability Awareness. However, accidents\u2014such as a bad car wreck or a serious fall from a high ladder\u2014also put you at risk. Be sure your policy addresses both sources of disabilities.<\/li><\/ul>\n\n\n\n<ul><li><strong>Does the policy come with a cost-of-living increase in benefits?<\/strong> A long-term disability deprives you of income. Unless you are careful, some policies can also put you at the mercy of inflation. To avoid the risk of inflation eroding the value of the disability payments, you can purchase a policy that automatically adjusts your payments to reflect an increased cost of living.<\/li><\/ul>\n\n\n\n<ul><li><strong>Are the benefits taxed? <\/strong>Benefits may be tax-free if you pay the premiums using\u00a0<em>after-tax<\/em>\u00a0dollars. That said, the key is to evaluate the tax implications of using pretax or after-tax dollars so you understand what you\u2019re getting and so you can customize your policy to your needs if necessary.<\/li><\/ul>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Is it time to re-evaluate your income protection?<\/h1>\n\n\n\n<p>By now, you may have realized that you\u2019re among the vast majority of entrepreneurs who lack one or more types of disability insurance, and that you are putting your financial well-being at risk.<\/p>\n\n\n\n<p>If so, what are you waiting for? The time has come to safeguard yourself, your family and your company from potential catastrophe.<\/p>\n\n\n\n<p>Or you may be part of that select group of business owners who have insurance policies to protect their business and income in the event of a serious disability.<\/p>\n\n\n\n<p>If so, it\u2019s time to reassess your current level of coverage and the type of new options available to you. We find business owners often discover that the disability coverage they bought years ago and forgot about doesn\u2019t meet their current needs in one or more of the eight categories outlined above. That\u2019s especially true if your income has risen substantially.<\/p>\n\n\n\n<p>The upshot: As your needs, level of success and health status change over time, your disability protection has to keep up\u2014or else you needlessly put yourself at risk.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Next step<\/h1>\n\n\n\n<p>Contact a legal or financial professional who can evaluate your unique situation to determine your disability insurance needs, what types of policies could meet those needs and whether any existing policies you have are up to snuff.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>This report was prepared by, and is reprinted with permission from, VFO Inner Circle.&nbsp; AES Nation, LLC is the creator and publisher of VFO Inner Circle reports.<\/p>\n\n\n\n<p>Disclosure: The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra IS or Kestra AS. The material is for informational purposes only. It represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. It is not guaranteed by Kestra IS or Kestra AS for accuracy, does not purport to be complete and is not intended to be used as a primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA\/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS.<\/p>\n\n\n\n<p>Fusion Wealth Management is not affiliated with Kestra IS or Kestra AS. <a href=\"https:\/\/www.kestrafinancial.com\/disclosures\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.kestrafinancial.com\/disclosures<\/a><\/p>\n\n\n\n<p>VFO Inner Circle Special Report<br>By Russ Alan Prince and John J. Bowen Jr.<br>\u00a9 Copyright 2021 by AES Nation, LLC. All rights reserved.<\/p>\n\n\n\n<p>No part of this publication may be reproduced or retransmitted in any form or by any means, includ- ing, but not limited to, electronic, mechanical, photocopying, recording or any information storage retrieval system, without the prior written permission of the publisher. Unauthorized copying may subject violators to criminal penalties as well as liabilities for substantial monetary damages up to $100,000 per infringement, costs and attorneys\u2019 fees.<\/p>\n\n\n\n<p>This publication should not be utilized as a substitute for professional advice in specific situations. If legal, medical, accounting, financial, consulting, coaching or other professional advice is required, the services of the appropriate professional should be sought. Neither the authors nor the publisher may be held liable in any way for any interpretation or use of the information in this publication.<\/p>\n\n\n\n<p>The authors will make recommendations for solutions for you to explore that are not our own. Any recommendation is always based on the authors\u2019 research and experience.<\/p>\n\n\n\n<p>The information contained herein is accurate to the best of the publisher\u2019s and authors\u2019 knowledge; however, the publisher and authors can accept no responsibility for the accuracy or completeness of such information or for loss or damage caused by any use thereof.<\/p>\n\n\n\n<p>Unless otherwise noted, the source for all data cited regarding financial advisors in this report is CEG Worldwide, LLC. The source for all data cited regarding business owners and other professionals is AES Nation, LLC.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>William, an entrepreneur making around $300,000 a year, suffered a debilitating injury that left him unable to stand\u2014let alone work. For the next ten months, he was unable to do much of anything. Lacking disability insurance, he was forced to take money from his company\u2019s coffers to pay his bills and take care of his [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":4283,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>When the Worst Happens, Are You Really Protected? - Fusion Wealth Management<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fusionwm.com\/when-the-worst-happens-are-you-really-protected\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"When the Worst Happens, Are You Really Protected? - Fusion Wealth Management\" \/>\n<meta property=\"og:description\" content=\"William, an entrepreneur making around $300,000 a year, suffered a debilitating injury that left him unable to stand\u2014let alone work. 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