Self-employed people are willing to take the odd risk – it’s one of the things that makes them capable of taking the plunge to go self-employed in the first place, but when risk outweighs its value then it’s no longer a reasonable gamble and becomes recklessness. With every month that passes, a self-employed person runs the risk that they are going to get ill or have an injury, and if that happens, it can be devastating. The loss of income is complete and the struggle that follows can be incredibly difficult. What is income protection? Employed workers are entitled, in the very least, to statutory sick pay (SSP), the government-supported scheme that guarantees some measure...
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UNFPA has adopted a comprehensive rewards package which allows you to be rewarded for your contribution through a range of policies and benefits designed to provide generous financial compensation, promote staff well-being, and offer a wealth of learning and career development opportunities. Financial Compensation UNFPA follows the UN common system of salaries and allowances. Detailed information can be found at the International Civil Service Commission Web site: http://icsc.un.org. In summary the main financial benefits that may be provided (depending on employment category and personal circumstances) are: International and local staff Competitive base salary plus post adjustment – the...
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With APSIT Group Term Life Insurance, you'll have access to the following benefits: Eligibility Members of the American Institute of Physics' Member and Affiliated Societies are eligible to purchase insurance through APSIT. If you are under age 65 and a resident of the United States* (excluding U.S. territories), Puerto Rico, or Canada (excluding Quebec), you're eligible to apply for $10,000 to $1,500,000 member coverage (in multiples of $10,000) of APSIT Group Term Life Insurance.* You may also apply for $10,000 to $750,000 spouse coverage (in multiples of $10,000) of term life coverage for your lawful spouse. Spouse coverage may not exceed member coverage. If you are under age 50 and...
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The Basics of Employee Benefits Once you have great employees on board, how do you keep them from jumping ship? One way is by offering a good benefits package. Many small-business owners mistakenly believe they cannot afford to offer benefits. But while going without benefits may boost your bottom line in the short run, than penny-wise philosophy could strangle your business's chances for long-term prosperity. "There are certain benefits good employees feel they must have," says Ray Silverstein, founder of PRO, President's Resource Organization, a small-business advisory network. Heading the list of must-have benefits is medical insurance, but many job applicants also demand a...
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My 24-year-old daughter Laura recently started a new job and, like many new employees, she had to navigate a maze of choices in her group benefits plan. She earns a modest salary and there’s little left after paying for basic living expenses. So her main goal was getting the coverage she needs for the lowest cost. As Laura and I went through the insurance options in the booklet, even an extra $50 in premiums for more coverage made her sit back and consider: did she really need to spend that much for a cost-of-living adjustment on disability benefits? Did she even need life insurance at her age? Laura soon understood that buying insurance isn’t simple. Whether you’re trying to insure your...
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Insurance Benefits As a climber, finding a half-decent insurance package can be a real challenge. Since we all deserve insurance for ourselves and our families, the AAC has partnered with some incredible companies to provide insurance packages that are actually designed for climbers. Signature Travel Insurance From Global Rescue We offer trip cancellation, interruption and delay coverage, as well as equipment and rental fee coverage. Tailor-made for adventurous travelers, Signature Travel Insurance is offered by International Medical Group®, a leader in global benefits and travel insurance services. Climbing Friendly Life Insurance We have partnered with the Nicholas Hill Benefit Group...
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Find out how to help cover the cost of a funeral, including government help, pre-paid funeral plans and life insurance with included funeral benefit Compare life insurance Compare cheap life insurance online with uSwitch and get cover from just £5 per month* After the death of a loved one, it can be an expensive, painful and frustrating process of having to put together a funeral to say farewell. With life insurance and funeral insurance plans it's possible to have the cost of a funeral covered in advance to save your family from having to pay for it. In this guide we explain pre-paid funeral plans, how to use life insurance to cover funeral costs and what kind of costs you should expect to...
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TruStage™ Life Insurance Plans Exclusively for credit union members, we offer TruStage Life Insurance Policies to help you protect the people who matter most in your life. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget and provide excellent coverage. TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. $1000 of TruStage™ Accidental Death and Dismemberment Insurance Coverage Is Yours. One of the nice benefits of credit union membership is a no-cost TruStage Accidental Death and...
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Life Insurance It’s impossible to predict the future. Wouldn’t it be nice to have peace of mind? It’s never too early to consider your life insurance options. The right policy can help you plan for you and your family’s future. Choosing the right life insurance policy isn’t something that you have to do by yourself. The experienced agents at SKS Insurance will be here every step of the way to ensure you end up with the right life insurance for your needs. After taking the time to get to know you and your family, our team can create a customized policy to suit both your budget and your coverage needs. We have a variety of policy options, including: Group Life Insurance Packages Understanding...
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CCW Global is able to offer a range of comprehensive Hong Kong Life Insurance Options from leading Hong Kong Life Insurance Companies. Descriptions of these products can be found below, or by clicking on the above links. Term Life Insurance in Hong Kong An HK Term Life Insurance plan will provide a beneficiary payment in the event that you die during a specific time frame. When you purchase a Term Life Insurance policy in Hong Kong you will select a length of time which the policy will be active for – often 5, 10, 20 or 30 years. If you die during the time which the policy is active then your dependents, or beneficiaries, will receive a lump sum payment. To give you an idea of the Life...
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