INSURANCE BENEFITS FOR PSPA MEMBERS
By Diana L. Yuhas, PA-CThe Board of Directors has worked to get PSPA members the following insurance contracts at group discounted rates and/or special contract riders. Please read more.
What is Critical Illness Insurance By: Diana L. Yuhas, LUTCF,Yuhas & Associates, Published in PSPA News, Spring 2006
Critical Illness Insurance pays a cash benefit when you are diagnosed with one of 13 covered illnesses
Disability Income Insurance by Diana L. Yuhas, LUTCF, Yuhas & Associates, Published in PSPA News, Summer 2005
Thinking about the places you will travel, the hobbies you will take up, and how you will spend your time once you retire?Disability Insurance: You’ve Got Questions? We’ve Got Answers! by By: Diana L. Yuhas, LUTCF, Field Representative, Luttner Financial Group, Published in PSPA News, Spring 2004
Ask yourself this one important question: Am I better prepared for death than disability? For most people, the chances of becoming disabled for at least 90 days prior to age 65 are two or three times greater than the chance of dying. That’s why it is important that you own one of the best disability income insurance policies available.
Disability Insurance Protecting Your Most Valuable Asset By: Diana L. Yuhas, LUTCF
Field Representative, LUTTNER FINANCIAL GROUPYour ability to earn an income is more than just a paycheck, it is your most valuable asset. It enables you to purchase and enjoy those things which define your lifestyle – your home, vacations, children’s education, and more. And yet, this valuable asset often goes unprotected.
- CRITICAL ILLNESS INSURANCE—This insurance is designed to provide to persons supplemental medical coverage—IN ADDITION TO THEIR REGULAR HEALTH INSURANCE—for critical illnesses provided the first diagnosis is made while the policy is inforce. Examples of covered illnesses are Life Threatening Cancer, Alzheimer’s Disease, Heart Attack, Renal Failure. Stroke, Multiple Sclerosis, Paralysis, Deafness or Blindness, or Major Organ Transplant. Also, available to groups, is a free rider—CASH BENEFIT— paid to insured persons while confined to a hospital for any covered illness.
- DISABILITY INCOME INSURANCE—Disability Income Insurance is designed to REPLACE INCOME in the event of a disability. This coverage is currently being offered to PSPA members at an association discounted premium. If you currently have group short term or long term disability income benefits with your employer, this coverage can be added IN ADDITION to your group coverage.
- RETIREMENT PROTECTION PLUS—DISABILITY INCOME INSURANCE TO PROTECT PENSION DEPOSITS. If a disability occurs, insured persons receive benefits in the amount of the monthly contribution he or she had been making into an individual or company retirement plan plus any amount the company was contributing. The benefits go directly into a trust set up specifically for this purpose. This insurance contract is designed ONLY to protect pension deposits or IRA deposits.
- LIFE INSURANCE—TERM AND CASH VALUED INSURANCE
I am working with several A+ Rated insurance companies offering both term and cash value life insurance. Some term insurance contracts even offer a refund of ALL premiums after a term of 20 years or more.
- LONG TERM CARE INSURANCE— Insurance designed to cover the cost of long term care in a skilled facility, assisted living facility, or in your home. Long Term Insurance policies can be designed to the specific needs or requirements of the insured. Policy premiums can be paid for a 10 year period and be considered a paid up contract. There is a discounted premium available to PSPA members and also the IMMEDIATE FAMILY MEMBERS of PSPA members.
As you can see from the brief descriptions, PSPA members have an wonderful opportunity to obtain a variety of insurance contracts—with discounts—to protect any area of concern. Please contact me at 1-800-565-2010 or via email at dianayuhas@ymail.com for more information.