cover of episode The Critical Insurance Many High Earners Don’t Realize They’re Missing

The Critical Insurance Many High Earners Don’t Realize They’re Missing

2024/11/13
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Katie Song
L
Lacy
播
播音员
主持著名true crime播客《Crime Junkie》的播音员和创始人。
Topics
Lacy分享了她因突发性感觉神经性听力损失而导致职业中断的经历，强调了长期残疾保险的重要性。她详细描述了她购买保险的动机、保险条款的细节以及理赔过程中的挑战和经验。她建议高收入人士，特别是自雇人士，应该购买长期残疾保险以应对潜在的风险，并建议尽早购买并根据收入情况调整保额。 Katie Song作为理财规划师，从专业的角度分析了长期残疾保险的必要性，特别是对于自雇人士和家庭主要经济支柱。她指出，雇主提供的保险通常保额有限，可能不足以满足高收入人群的需求，而私人保险可以弥补这一差距。她还建议根据实际支出而非全部收入来确定保额，并建议考虑免赔期、赔付金额和赔付期限等因素。 播音员总结了Lacy和Katie Song的观点，强调了长期残疾保险对于高收入人士的重要性，并指出如果雇主提供的保险已经足够满足需求，则无需额外购买私人保险。 Lacy分享了她因突发性感觉神经性听力损失而导致职业中断的经历，强调了长期残疾保险的重要性。她详细描述了她购买保险的动机、保险条款的细节以及理赔过程中的挑战和经验。她建议高收入人士，特别是自雇人士，应该购买长期残疾保险以应对潜在的风险，并建议尽早购买并根据收入情况调整保额。 Katie Song作为理财规划师，从专业的角度分析了长期残疾保险的必要性，特别是对于自雇人士和家庭主要经济支柱。她指出，雇主提供的保险通常保额有限，可能不足以满足高收入人群的需求，而私人保险可以弥补这一差距。她还建议根据实际支出而非全部收入来确定保额，并建议考虑免赔期、赔付金额和赔付期限等因素。 播音员总结了Lacy和Katie Song的观点，强调了长期残疾保险对于高收入人士的重要性，并指出如果雇主提供的保险已经足够满足需求，则无需额外购买私人保险。

Deep Dive

Chapters
This chapter introduces the concept of long-term disability insurance and its importance for high earners, using Lacy's personal story as a case study.
  • Sudden sensorineural hearing loss can drastically impact a high-income career.
  • Long-term disability insurance can protect high earners from financial ruin in case of disability.
  • Lacy's experience highlights the critical need for such insurance, even for those with employer-provided coverage.

Shownotes Transcript

At her career’s height, Lacy was earning more than a million dollars per year (!) as an executive at a major bank. Then, one early morning, Lacy woke up and realized she was unable to hear anything in her left ear, experiencing something called sudden sensorineural hearing loss. She feared the worst: Her career, as she knew it, was over.

Fortunately, Lacy had purchased a valuable insurance policy a decade earlier. And you don’t have to be pulling down seven figures like Lacy to benefit in the same way.

Transcripts, show notes, production credits, and more can be found at: https://moneywithkatie.com/disability-insurance).

Money with Katie’s mission is to be the intersection where the economic, cultural, and political meet the tactical, practical, personal finance education everyone needs.

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