{"id":1323,"date":"2018-06-14T07:00:32","date_gmt":"2018-06-14T11:00:32","guid":{"rendered":"https:\/\/lifehappens.org\/?p=1323"},"modified":"2020-05-04T09:47:52","modified_gmt":"2020-05-04T13:47:52","slug":"getting-married-two-questions-you-need-to-ask-your-partner-but-probably-havent","status":"publish","type":"post","link":"https:\/\/lifehappens.org\/blog\/getting-married-two-questions-you-need-to-ask-your-partner-but-probably-havent\/","title":{"rendered":"Getting Married? Two Questions You Need to Ask Your Partner (but Probably Haven\u2019t)"},"content":{"rendered":"

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Getting married is a big leap. And you may be in the midst of a whole lot of planning\u2014from when and where to have the wedding to whom to invite. But planning the wedding and honeymoon is just the start of your life together. As you start planning your future, don\u2019t forget to put a solid financial base in place.<\/p>\n

While you may have already talked about joint or separate bank accounts and what gets paid by whom and when, there is probably a piece you haven\u2019t talked about: insurance. While it isn\u2019t top of mind for most people, talking through your insurance coverages is actually an important step. As you combine households and finances, you want to make sure that you have protection in place. Here are two questions to think about and to talk through with your partner.<\/p>\n

Do you have any life insurance?<\/h2>\n

People may get a certain amount of life insurance<\/a> coverage through work, often one or two times their salary. And while that sounds like a lot, you have to consider how long that money would need to last. For example, are you buying a home together? If so, would just one of you be able to continue with the mortgage if the other died unexpectedly, or would you be forced to sell it just so you could meet day-to-day living expenses?<\/p>\n

Plus, you also have to consider that life insurance coverage through work typically ends when your job does. So if you change jobs, you may find yourself without coverage, and you new job may or may not offer life insurance as a benefit.<\/p>\n

The easy solution is to get your own individual life insurance policy. And for most people, it can be quite affordable. Remember, the younger and healthier you are, the less expensive coverage is. For example, a healthy 30-year-old can get a 20-year, $250,000 term life insurance policy for about $13 a month. Most people can find that in their budgets.<\/p>\n

Do you have disability insurance?<\/h2>\n

If you are working and rely on your paycheck (and how many of us can say we don\u2019t!), this is a key piece of coverage. Disability insurance<\/a> pays you a portion of your salary if you were to become sick or disabled and unable to go to work and earn your paycheck.<\/p>\n

\n

An individual disability insurance policy has the a key benefit: It will be with you as you move from job to job.<\/p>\n<\/blockquote>\n

Many people think Workers\u2019 Comp would take care of them if something happened, but you only get this coverage if the accident is work-related. Most disability claims\u2014more than 90%\u2014are due to illnesses, like cancer, for example. That means if you couldn\u2019t work, you\u2019d have no income. What is your plan to pay your monthly costs if something like this happened? That\u2019s where disability insurance comes in. It would replace a portion of your salary so you could continue to pay your mortgage or rent and your monthly bills until you are able to return to work.<\/p>\n

Your employer may offer this coverage through work, so be sure to talk to your HR rep or benefits administrator to see if you have disability insurance (short-term, long-term or both) and what it covers and for how long. You can also get an individual disability insurance policy, which has the a key benefit: It will be with you as you move from job to job. In a tight economy, employers are always looking for ways to trim costs and unfortunately insurance coverage is often first on the chopping block. When you have your own policy, you never have to worry about if your next job will have coverage.<\/p>\n

Once you have talked with your partner, if you find either of you has gaps in coverage you\u2019d like to fill, then it makes sense to sit down with an insurance agent. Remember, they will talk through your options at no cost to you\u2014and no pressure to buy. If you don\u2019t have an agent, you can use this online Agent Locator<\/a> to find someone in your area.<\/p>\n

Wishing you all the best as you start your journey together!<\/p>\n

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Getting married is a big leap. And you may be in the midst of a whole lot of planning\u2014from when and where to have the wedding to whom to invite. But planning the wedding and honeymoon is just the start of your life together. As you start planning your future, don\u2019t forget to put a […]<\/p>\n","protected":false},"author":4,"featured_media":1324,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"2880","footnotes":""},"categories":[4],"tags":[64,148,149,14,128,147],"class_list":["post-1323","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","tag-disability-insurance","tag-getting-married","tag-individual-disability-insurance-policy","tag-life-insurance","tag-millennials","tag-young-couples"],"acf":[],"yoast_head":"\nGetting Married? 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