Discapacidad y Cuidado a Largo PlazoPregunta 648 de 716
Key person disability insurance is owned by and pays benefits to:
a.The federal government, which reimburses the employer for the lost output
b.The key employee's family, to replace the household's lost monthly income
c.The key employee personally, to spend however he or she wishes
d.The business, to offset losses when a vital employee becomes disabled
Explicación
Key person coverage is owned by the business, which is the beneficiary, to cushion the financial loss from a crucial employee's disability. It does not pay the employee or their family.
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- If an employer pays the disability income premiums and does not include them in the employee's income, the disability benefits the employee later receives are:
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)