{"id":14599,"date":"2016-01-08T07:00:40","date_gmt":"2016-01-08T12:00:40","guid":{"rendered":"https:\/\/lifehappens.org\/?p=14599"},"modified":"2020-08-14T11:42:12","modified_gmt":"2020-08-14T15:42:12","slug":"4-financial-tips-to-keep-your-family-safe","status":"publish","type":"post","link":"https:\/\/lifehappens.org\/blog\/4-financial-tips-to-keep-your-family-safe\/","title":{"rendered":"4 Financial Tips to Keep Your Family Safe"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.5.6″ _module_preset=”default”][et_pb_row _builder_version=”4.5.6″ _module_preset=”default”][et_pb_column type=”4_4″ _builder_version=”4.5.6″ _module_preset=”default”][et_pb_text _builder_version=”4.5.6″ _module_preset=”default” hover_enabled=”0″]It\u2019s tough to get our financial house in order, not because it\u2019s especially hard, but because it\u2019s \u2026 boring? Tedious? The last thing we want to spend time on? To remedy that, here are four tips that you can take on and<\/em> accomplish:<\/p>\n

1. Make sure you have life insurance\u2014or enough of it.<\/strong> Do you really need life insurance? Well, answer this question to find out: Would your loved ones suffer financial if something happened to you? If the answer is yes, you need life insurance<\/a>. Then comes the question, how much? There are a number of factors that go into calculating how much life insurance you might need. But it doesn\u2019t have to be difficult. Instead, use this online Life Insurance Needs Calculator<\/a>, and in just a couple of minutes you can have a working idea of the amount you need. If you already have life insurance, why not use this calculator to make sure you have enough!<\/p>\n

And don\u2019t let cost\u2014or actually perceived cost\u2014stop you from getting coverage. Did you know that 80% of people overestimate how much life insurance costs<\/a>? And those under 25 think it\u2019s four times more expensive than it actually is. Let\u2019s frame it this way, say you\u2019re 30 and in good health, a 20-year level term life insurance policy with $250,000 of coverage may cost around $13 a month. That\u2019s the equivalent of a few Starbucks drive-through lattes. Here are a number of ways you can get coverage or search for an agent<\/a>\u00a0<\/span>if you don\u2019t have one.<\/p>\n

2. Review your life insurance beneficiaries.<\/strong> Would you like your ex-spouse to get your life insurance if something were to happen to you because you forgot to change the beneficiary on your policy? Would you like the money to get tied up in court because you named your minor children as the beneficiaries? These are missteps that happen more than you think. Add to that the fact that people may have more than one policy\u2014for example one through the workplace (a group policy) and one that they bought individually.<\/p>\n

This is exactly the type of thing that a life insurance agent or advisor can help you with. And it won\u2019t cost you anything to talk to them about it. Plus, if you\u2019ve gone through tip #1, they can double check that the amount of coverage you came up with meets you needs. Also, it\u2019s honestly a lot less hassle to have someone who knows what they\u2019re doing help you out, and isn\u2019t that what we\u2019re trying to achieve here\u2014get it done?<\/p>\n

3. Don\u2019t skip disability insurance.<\/strong> Many people aren\u2019t really familiar with what disability insurance is and what it does<\/a>. Basically, it replaces a portion of your income if you\u2019re unable to work due to a disabling illness or injury. Why is that important? Think about how long you could make ends meet\u2014pay rent or the mortgage and all your monthly bills if your paycheck suddenly disappeared. A Life Happens survey found that a majority of those who work wouldn\u2019t make it more than a month before they\u2019d have to make some serious financial sacrifices. Again, an online calculator can help; get started with this Disability Insurance Needs Calculator<\/a>.<\/p>\n

So, how do you get it? Your employer may offer disability insurance coverage through a group plan. If you\u2019re not sure, contact your HR department or benefits manager to find out what kind of coverage you have (if any). If you don\u2019t have coverage or need more than is offered through work, buying your own disability insurance policy is worth considering. Unlike group coverage, privately owned insurance stays with you even when you change jobs.<\/p>\n

Also keep in mind that most people overestimate what the government will pay or cover if something were to happen. According to the National Safety Council, 73% of long-term disabilities are a result of an injury or illness that is not work-related and therefore wouldn\u2019t qualify for Workers\u2019 Compensation. And if you were hoping for Social Security disability benefits, know that about 45% of those who apply are initially denied, and those who are approved receive an average monthly benefit of around $1,100, which would leave you living at about the poverty level.<\/p>\n

4. Automate your emergency fund.<\/strong> While not as fundamentally critical as the above tips, this will probably have the most impact on your day-to-day life. Everyone one of us runs into unexpected events that are costly\u2014a major car repair, a leak in the roof, a job loss \u2026 the list, as you know, can seem endless. To give yourself peace of mind and bit of cushion, set aside a certain amount each month\u2014it could be $50 or $500, depending on your financial situation\u2014and have it automatically deposited into your savings account. If it\u2019s easier to track, you could even keep it in a separate account. Then it becomes a no-brainer, because that money isn\u2019t there for you to spend. In a year, if you chose one of the above amounts, you could have $600 or $6,000 stashed away!<\/p>\n

These tips will set you on the path of ensuring that if the unforeseen happens, you and your family will be OK financially. And what\u2019s worth more than your peace of mind?[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

It\u2019s tough to get our financial house in order, not because it\u2019s especially hard, but because it\u2019s \u2026 boring? Tedious? The last thing we want to spend time on? To remedy that, here are four tips that you can take on and accomplish: 1. Make sure you have life insurance\u2014or enough of it. Do you […]<\/p>\n","protected":false},"author":4,"featured_media":14600,"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":"","footnotes":""},"categories":[5,75,4],"tags":[64,371,169,14,124,372,373],"class_list":["post-14599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-disability-insurance","category-financial-planning","category-life-insurance","tag-disability-insurance","tag-disability-insurance-needs-calculator","tag-insurance-barometer-study","tag-life-insurance","tag-life-insurance-needs-calculator","tag-social-security-disability-benefit","tag-true-cost-of-life-insurance"],"acf":[],"yoast_head":"\n4 Financial Tips to Keep Your Family Safe – Life Happens<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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