Читать книгу Finance & Grow Your New Business - Angie Mohr - Страница 46

Health insurance is one area in which the majority of people are under-insured. It may be tempting to just assume that you will be healthy until you retire, but that is dangerous thinking. If your health fails, your ability to earn income may disappear, along with your plans for retirement.

As a small-business owner, health insurance is essential as you will not be able to rely on any employer- or government-funded health plans. There are two major coverages that you need to consider. The first is that you will not have your income any longer. As a small-business owner, you will have to hire someone to do the work that you once did or you may even have to close the doors, but either way, you will have to replace your former income. The second is that you may have ongoing medical and long-term care expenses in the future. For example, you may have to hire a private care nurse to attend to your medical needs.

There are many forms of health insurance. Some include coverage for drugs and dental expenses, some pay out a lump sum when you are diagnosed with a critical illness, and some provide ongoing payments for your lifetime. Discuss coverage with your financial adviser or insurance specialist to make sure that you will be able to continue to meet your personal and business financial goals in the event of serious illness.