getting insured

Are the two of you covered no matter what? Find the insurance coverage you need and answers to all your insurance questions right here. Let's start with you and your honey: We've got health insurance information to help you choose the right plan and advice on how to get and keep health insurance even if your circumstances change. We've also got the inside scoop on life insurance and disability insurance. Now let's move on to some of the key parts of your life, like where you live. We have home owners insurance advice to help you understand what kind of policy you need, what's covered, and what to do when you need to use it. Besides the house, what about your wheels? You'll find answers to all your auto insurance questions, including how to cut car insurance costs. And let's not forget the little things! Ever thought about insuring your engagement ring? It might not be covered by your renter's or home owner's policy, so you ought to check if you have ring insurance. We've also got general insurance advice that can help with all your coverage, from the eight tips newlyweds need to know to tried and true tricks from real Nesties about insurance. You can also chat with other Nesties to get insurance advice right here. Whether you've got auto insurance questions, need home owners insurance advice, want help with health insurance information, or just want the dirt on insuring your engagement ring, you've hit the right spot.

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The Dirt on Disability Insurance

Everything you need to know to protect yourself if you get sick or injured (or plan to have a baby).

What It Is

Disability insurance guarantees you a set monthly income (a percentage of your usual pay) in case a medical condition leaves you unable to perform your work duties.

Who Needs It Most

Many just-marrieds rely on one or both partners' paychecks to squeak by. If that's the case for you, get disability insurance. People in physically demanding and high-risk careers are also wise to get a policy. Most employers provide some kind of disability insurance coverage, but you may want to look for a supplement as well. The most common cause of short-term disability claims is pregnancy, though one in three people will be disabled for 90 days or more before they turn 65.

How It Works

Policies have different payouts based on whether you're out due to a short-term disability (say, an injury from which you'll recover, like a broken leg) or a long-term one. Long-term disability coverage is key -- at your age, if you get knocked out of work, you have decades in front of you that you'll need help funding.

Average Coverage

Most companies cover up to 60 percent of your salary; with supplemental insurance, that number can rise to 80 percent.

Comparing Policies

Go to the Insurance Information Institute for detailed information on disability insurance by type and state.

Questions to Ask Before Choosing a Policy:

  • How much money would you need every month to support yourselves?
  • What are the premiums of the policy you're looking at?
  • How long would you be able to get by financially before the benefits kick in?
  • What's the payout for short-term disability claims and long-term disability claims?
  • Will the policy cover you if you're not able to work in your profession?
  • How often do you have to "re-certify" your benefits -- each month or each year?
  • Are absences due to mental health issues, substance abuse, or preexisting conditions included in the policy?

-- Kristen Finello

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