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Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 25851
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Tuesday, June 30, 2015 - 4:54 pm: |
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Onlymovies:
these are the following normally offered in the US/Canada by employer with group rates (which are much lesser than if you were to buy outside).
1) Basic life insurance (normally 1x base salary and premium is covered by employer)
2) Voluntary life insurance (its optional and coverage limit varies for each company, premium paid by employee)
3) Voluntary AD&D (optional and same as in #2)
4) Critical illness (optional and same as in #2)
5) Spousal critical illness (same as above)
6) Spousal voluntary life (optional and normally limit to 500k, premium paid by employee)
7) Long-term disability (employer will have minimum coverage but there will be an option to increase this to 60% salary + COLA)
8) Business travel accident (company covers this with 2x salary standard)
9) Dependent voluntary AD&D (optional)
10) Dependent voluntary life (optional)
Apart from the above you will have regular medical and dental coverage anywhere from 80% to 90% of the cost being covered for drugs and procedures.
It is advisable to take max allowed life insurance, Critical illness and Long-term disability coverage. Family should not be put in a position to worry about finances, already they will be dealing with the shock if something unfortunate happens to you..my two cents..
Ignorance is bliss
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Sakkineni
Kurra Bewarse
Username: Sakkineni
Post Number: 1256
Registered: 04-2012
Posted From: 199.168.151.171
| | Posted on Tuesday, June 30, 2015 - 4:42 pm: |
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Sasibabu:..aa time lo vallu ee chadhuvulu maakodhu dobbamannaru anuko..
subway konistharu emo uncle |
Sakkineni
Kurra Bewarse
Username: Sakkineni
Post Number: 1255
Registered: 04-2012
Posted From: 199.168.151.163
| | Posted on Tuesday, June 30, 2015 - 4:22 pm: |
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Tthanks:I suggest you to enroll in 401K Asap.
Where to Start , ASale contracting Jeevithalu |
Tthanks
Kurra Bewarse
Username: Tthanks
Post Number: 2607
Registered: 01-2013
Posted From: 171.159.64.10
| | Posted on Tuesday, June 30, 2015 - 4:03 pm: |
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Bewarsegadu:AD&D insurance endhi?
accidental death and Dismemberment insurance..
naa health plan lo ivanni included including life insurance...but have to pay small premium every month... |
Bewarsegadu
Kurra Bewarse
Username: Bewarsegadu
Post Number: 3192
Registered: 03-2013
Posted From: 65.198.163.137
| | Posted on Tuesday, June 30, 2015 - 3:58 pm: |
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AD&D insurance endhi?
College plan start cheyyaali but too late emo already elementary passed out
Bewarsegadu Fan of Balayya and PK
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Prasanth
Censor Bewarse
Username: Prasanth
Post Number: 74268
Registered: 03-2004
Posted From: 59.144.58.33
| | Posted on Tuesday, June 30, 2015 - 3:58 pm: |
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Onlymovies:no maku life insurance kooda vundi
OK
telugu biDDa (staying in bangalore and from vijayawada)
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Onlymovies
Censor Bewarse
Username: Onlymovies
Post Number: 33175
Registered: 01-2009
Posted From: 199.173.224.30
| | Posted on Tuesday, June 30, 2015 - 3:55 pm: |
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Prasanth:employers general ga icchedhi medical insurance kadha?
no maku life insurance kooda vundi
Sound Rakoodadee
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Prasanth
Censor Bewarse
Username: Prasanth
Post Number: 74267
Registered: 03-2004
Posted From: 59.144.58.33
| | Posted on Tuesday, June 30, 2015 - 3:55 pm: |
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Onlymovies:life insurance employer di kakunda bayata teesukunte too expensive kada..
employers general ga icchedhi medical insurance kadha?
yes, that will be little costlier outside..but some plans will be there still better outside for more coverage...but problem is with terms and conditions....conditions will be more legitimate when applied from outside
this scenerio is as for india*
telugu biDDa (staying in bangalore and from vijayawada)
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Onlymovies
Censor Bewarse
Username: Onlymovies
Post Number: 33174
Registered: 01-2009
Posted From: 199.173.224.30
| | Posted on Tuesday, June 30, 2015 - 3:51 pm: |
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life insurance employer di kakunda bayata teesukunte too expensive kada..
Sound Rakoodadee
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Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 25850
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Tuesday, June 30, 2015 - 3:44 pm: |
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Tthanks:whats the best feasible way to get that money here
naaku nayapaisa aasthi ledu thammudu india lo. so I never had to go through that. official white money ayithe direct gane thechukovachu anukunta (with in some limit). or close friends lo evarikanna akkada rs ichi ikkada $ collect chesukotam oka route.
okappudu nenu India lo baaga money karchu pette time lo (for my father's health), one of my friend gave me cash there and collected $ here.
Ignorance is bliss
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Tthanks
Kurra Bewarse
Username: Tthanks
Post Number: 2606
Registered: 01-2013
Posted From: 171.159.64.10
| | Posted on Tuesday, June 30, 2015 - 3:36 pm: |
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Kubang:
annai..india lo emanna assets ammesthe..whats the best feasible way to get that money here |
Kubang
Celebrity Bewarse
Username: Kubang
Post Number: 25849
Registered: 09-2011
Posted From: 161.141.1.1
| | Posted on Tuesday, June 30, 2015 - 3:33 pm: |
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Tthanks:extra life insurance etc...avasaramaa
migathavi naaku theleedu gaani, you should have enough life insurance
Ignorance is bliss
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Tthanks
Kurra Bewarse
Username: Tthanks
Post Number: 2605
Registered: 01-2013
Posted From: 171.159.64.10
| | Posted on Tuesday, June 30, 2015 - 3:33 pm: |
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Sasibabu: sonthamgaa bathike avakaasam ivvandi kids ki....anni valisi notlo pettalani choodakundaa .... let them have a chance to achieve ...thokkalodhi
cheppadaniki ok...but reality lo kastam amma follow avvadam... |
Proofdada
Bewarse Legend
Username: Proofdada
Post Number: 141564
Registered: 03-2004
Posted From: 38.96.203.34
| | Posted on Tuesday, June 30, 2015 - 3:30 pm: |
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ammayya , pooni... |
Sasibabu
Mudiripoyina Bewarse
Username: Sasibabu
Post Number: 13668
Registered: 10-2010
Posted From: 206.29.176.52
| | Posted on Tuesday, June 30, 2015 - 3:30 pm: |
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Gochi:andaru mee lakka jimaanjis kaadhule sasbobesh...no wings flying, no wings eating ikkada....
then you eat after you fly.......dont save too much.... sonthamgaa bathike avakaasam ivvandi kids ki....anni valisi notlo pettalani choodakundaa .... let them have a chance to achieve ...thokkalodhi
Sasibabu Fan of Chandra Babu and PK and Meditation
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Gochi
Censor Bewarse
Username: Gochi
Post Number: 85883
Registered: 07-2004
Posted From: 8.7.228.252
| | Posted on Tuesday, June 30, 2015 - 3:28 pm: |
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Sasibabu:anthagaa aa time lo chadhuvuku dabbu kavalsi vasthe appatiki vunna aasthullo yedho okati ammi sadhivinchochule.... eppudoooooo 15 years tharuvaatha dhaaniki ippude kakkurthigaa bathakatam endhuku ....enjoy life
avi lekane gadhaa ee baadhalanni
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Gochi
Censor Bewarse
Username: Gochi
Post Number: 85882
Registered: 07-2004
Posted From: 8.7.228.252
| | Posted on Tuesday, June 30, 2015 - 3:27 pm: |
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Sasibabu:India lo chadhivinchandesss aa time ki dabbul lekapothe ....okate gola .... next moment elaa vuntundho thelavadhu okkodiki malla next 100 years ki planninglu
andaru mee lakka jimaanjis kaadhule sasbobesh...no wings flying, no wings eating ikkada....
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Proofdada
Bewarse Legend
Username: Proofdada
Post Number: 141563
Registered: 03-2004
Posted From: 38.96.203.34
| | Posted on Tuesday, June 30, 2015 - 3:26 pm: |
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Sasibabu:India lo chadhivinchandesss aa time ki dabbul lekapothe ....okate gola .... next moment elaa vuntundho thelavadhu okkodiki malla next 100 years ki planninglu
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Sasibabu
Mudiripoyina Bewarse
Username: Sasibabu
Post Number: 13667
Registered: 10-2010
Posted From: 206.29.176.52
| | Posted on Tuesday, June 30, 2015 - 3:25 pm: |
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for example.....meeru innesi pogesi oka 15 years paatu.....aa time lo vallu ee chadhuvulu maakodhu dobbamannaru anuko..... appudu aa dabbu ni 50 years vayasu lo em sesukuntaaru .... anthagaa aa time lo chadhuvuku dabbu kavalsi vasthe appatiki vunna aasthullo yedho okati ammi sadhivinchochule.... eppudoooooo 15 years tharuvaatha dhaaniki ippude kakkurthigaa bathakatam endhuku ....enjoy life
Sasibabu Fan of Chandra Babu and PK and Meditation
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Gochi
Censor Bewarse
Username: Gochi
Post Number: 85881
Registered: 07-2004
Posted From: 8.7.228.252
| | Posted on Tuesday, June 30, 2015 - 3:25 pm: |
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Tthanks:but naaku 3 kids
1 ke ikkada thadisipothaandhi..3 ante..
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Sasibabu
Mudiripoyina Bewarse
Username: Sasibabu
Post Number: 13666
Registered: 10-2010
Posted From: 206.29.176.52
| | Posted on Tuesday, June 30, 2015 - 3:23 pm: |
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India lo chadhivinchandesss aa time ki dabbul lekapothe ....okate gola .... next moment elaa vuntundho thelavadhu okkodiki malla next 100 years ki planninglu
Sasibabu Fan of Chandra Babu and PK and Meditation
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Tthanks
Kurra Bewarse
Username: Tthanks
Post Number: 2604
Registered: 01-2013
Posted From: 171.159.64.10
| | Posted on Tuesday, June 30, 2015 - 3:22 pm: |
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Gochi:veyyi ante saana ekkuva naa earning ki
naaku ekkuve annai...but naaku 3 kids...so 1000 chala thakkuva |
Gochi
Censor Bewarse
Username: Gochi
Post Number: 85880
Registered: 07-2004
Posted From: 8.7.228.252
| | Posted on Tuesday, June 30, 2015 - 3:21 pm: |
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nenu kooda modalettaali, have been researching on this for a long time..need to start putting in atleast 500 a month...veyyi ante saana ekkuva naa earning ki  |
Tthanks
Kurra Bewarse
Username: Tthanks
Post Number: 2603
Registered: 01-2013
Posted From: 171.159.192.10
| | Posted on Tuesday, June 30, 2015 - 3:19 pm: |
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Gochi:529 undaali etti paristhullo...ante full sound party aithe akkarledhu anukondi..but pillala education kosam edo oka chota save cheyyaali kadhaa...so 529 is a good option, its state funded college savings plan. ikkada annual tution will be around 40k per each year (for 2nd grade schools)...adhe Ivy league/private colleges aithe it will be 60-70k per year...so kaneesam manam monthly 500 fund lo esinaa, its 6000 per year and around 72k for 12 years...appatiki fund appreciate ayyi it will be around 100k may be..it will cover atleast 2-3 yrs of tution if not everything
wife job lo join avvagane oka 1000 set cheyyali 529 lo  |
Tthanks
Kurra Bewarse
Username: Tthanks
Post Number: 2602
Registered: 01-2013
Posted From: 171.159.64.10
| | Posted on Tuesday, June 30, 2015 - 3:18 pm: |
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Proofdada:dhpoola theerindha pottayana... pooni...peace ga vundhi...
rendu boothulu vs ara ganta fun...
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Gochi
Censor Bewarse
Username: Gochi
Post Number: 85879
Registered: 07-2004
Posted From: 8.7.228.252
| | Posted on Tuesday, June 30, 2015 - 3:11 pm: |
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Tthanks:e 529..extra life insurance etc...avasaramaa
529 undaali etti paristhullo...ante full sound party aithe akkarledhu anukondi..but pillala education kosam edo oka chota save cheyyaali kadhaa...so 529 is a good option, its state funded college savings plan. ikkada annual tution will be around 40k per each year (for 2nd grade schools)...adhe Ivy league/private colleges aithe it will be 60-70k per year...so kaneesam manam monthly 500 fund lo esinaa, its 6000 per year and around 72k for 12 years...appatiki fund appreciate ayyi it will be around 100k may be..it will cover atleast 2-3 yrs of tution if not everything
ika life insurance antaara...oka vela illu ganaka unte you need a life insurance atleast worth the house value...manam pothe kaneesam vaallaki house anna migulthundi without any mortgage..aa lekka lo chepthunnaa...so mee employer entha cover chesthunnaado choosukuni inka extra amount you can cover outside
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Prasanth
Censor Bewarse
Username: Prasanth
Post Number: 74266
Registered: 03-2004
Posted From: 59.144.58.33
| | Posted on Tuesday, June 30, 2015 - 3:06 pm: |
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Proofdada:
kiki..andaru antunte endhaa anukunna...bhale gillutaaduga pottaayana..lol
telugu biDDa (staying in bangalore and from vijayawada)
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Proofdada
Bewarse Legend
Username: Proofdada
Post Number: 141562
Registered: 03-2004
Posted From: 38.96.203.34
| | Posted on Tuesday, June 30, 2015 - 3:02 pm: |
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Tthanks:
dhpoola theerindha pottayana... pooni...peace ga vundhi... |
Tthanks
Kurra Bewarse
Username: Tthanks
Post Number: 2601
Registered: 01-2013
Posted From: 171.161.160.10
| | Posted on Tuesday, June 30, 2015 - 2:41 pm: |
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Sakkineni:Unmarried Here, edo oopehuka post esa , Kshamincheyyi uncle
I suggest you to enroll in 401K Asap..migatah plan sangathi malla chuskovacchu |
Critic
Pilla Bewarse
Username: Critic
Post Number: 781
Registered: 03-2004
Posted From: 183.82.209.24
| | Posted on Tuesday, June 30, 2015 - 2:40 pm: |
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401 K chala manchidi - adi continue cheyali.
Educational funding manchide - undergrad baga expensive, so a money separate cheste safe.
Migitavi optional.. nee istam. |
Sakkineni
Kurra Bewarse
Username: Sakkineni
Post Number: 1254
Registered: 04-2012
Posted From: 199.168.151.171
| | Posted on Tuesday, June 30, 2015 - 2:37 pm: |
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Tthanks:
Unmarried Here, edo oopehuka post esa , Kshamincheyyi uncle |
Sasibabu
Mudiripoyina Bewarse
Username: Sasibabu
Post Number: 13665
Registered: 10-2010
Posted From: 206.29.176.52
| | Posted on Tuesday, June 30, 2015 - 2:34 pm: |
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Capitalism oka overrated concept
Sasibabu Fan of Chandra Babu and PK and Meditation
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Tthanks
Kurra Bewarse
Username: Tthanks
Post Number: 2600
Registered: 01-2013
Posted From: 171.161.160.10
| | Posted on Tuesday, June 30, 2015 - 2:32 pm: |
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Fanno1:Inka meeku dabbulemduku
kids Bdays..graduation parties...mothers days..fathers days..vantine days...vacations...india trips...etc.... |
Tthanks
Kurra Bewarse
Username: Tthanks
Post Number: 2599
Registered: 01-2013
Posted From: 171.161.160.10
| | Posted on Tuesday, June 30, 2015 - 2:31 pm: |
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Sakkineni:inka enduku migalatam, Child Education covered, Retirement covered and Health Covered. INka em chesthav uncle
child education ekkada covered vunkle...mugguriki minimum 1 mil kavalsi vacchettundi..india lo asthulu ammettalsinde time vacchinappudu  |
Fanno1
Yavvanam Kaatesina Bewarse
Username: Fanno1
Post Number: 7689
Registered: 03-2004
Posted From: 107.77.70.93
| | Posted on Tuesday, June 30, 2015 - 2:31 pm: |
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Nee savings ye kada...Inka meeku dabbulemduku..mortgage, monthly bills kadithe chala gaa |
Tthanks
Kurra Bewarse
Username: Tthanks
Post Number: 2598
Registered: 01-2013
Posted From: 171.161.160.10
| | Posted on Tuesday, June 30, 2015 - 2:29 pm: |
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US lo 15-20 yrs pathukupoyina batch vacchi..nijanga edi avasaramo cheppandi...confusion tho chasthunnam
as of now...401K undi..
life and Ad&D insurance thorugh company undi...
e 529..extra life insurance etc...avasaramaa |
Sakkineni
Kurra Bewarse
Username: Sakkineni
Post Number: 1253
Registered: 04-2012
Posted From: 199.168.151.171
| | Posted on Tuesday, June 30, 2015 - 2:29 pm: |
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inka enduku migalatam, Child Education covered, Retirement covered and Health Covered. INka em chesthav uncle |
Tthanks
Kurra Bewarse
Username: Tthanks
Post Number: 2597
Registered: 01-2013
Posted From: 171.161.160.10
| | Posted on Tuesday, June 30, 2015 - 2:28 pm: |
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401K for retirement
529 for Education
Life/Term insurance
AD&D Insurance
HSA/FSA
innitlo invest chesi..mortgage pay chesthe...inga emuntundi mana kaada
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Archives - 2015