InsuranceWhat insurance will cover what unexpected event?

Types of Insurance

•Health Insurance – Pays for unexpected illness and injury that is NOT paid by another insurance.

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Types of Insurance

•Workers Compensation Insurance – Pays for injuries and illnesses that occurred on the job or because of work.

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Types of Insurance

• Auto Insurance – Among other things, it pays for injuries that happened in an accident.

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Types of Insurance

•Home Insurance – Pays for injuries that result from an unexpected event at home.

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Types of Insurance•Disability Insurance – Pays for wages that cannot be earned when you are unable to work due to an injury or disability. It does not pay for the cost of treating the injury.

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Which Insurance would pay for this situation?

Loretta was operating a forklift at work when it tipped over. She broke her foot. She needs to pay the doctor

bills.

Health Insurance

Workers Compensation

Insurance

Which Insurance would pay for this situation?

Loretta was operating a forklift at work when it tipped over. She broke her foot. She needs to pay the doctor

bills.

Health Insurance

Workers Compensation

InsuranceBecause Loretta was injured while working, Workers Compensation will pay for her medical bills.

Which Insurance would pay for this situation?

Loretta was operating a forklift at work when it tipped over. She broke her foot. She cannot work for 6 weeks.

Who will pay for her missed earnings?

Workers Compensation

Insurance

Disability Insurance

Which Insurance would pay for this situation?

Loretta was operating a forklift at work when it tipped over. She broke her foot. She cannot work for 6 weeks.

Who will pay for her missed earnings?

Workers Compensation

Insurance

Disability Insurance

Even though Loretta was injured on the job, Workers Compensation ONLY pays for medical bills. Disability Insurance would pay for her lost wages.

Which Insurance would pay for this situation?

Loretta had a heart attack while at home. She needs to pay for her doctor and hospital bills.

Health Insurance

Home Insurance

Which Insurance would pay for this situation?

Loretta had a heart attack while at home. She needs to pay for her doctor and hospital bills.

Health Insurance

Home Insurance

Even though Loretta was at home when she had the heart attack, it was not due to an event at the house. Health Insurance would pay these costs.

Which Insurance would pay for this situation?

Loretta had a heart attack while at home. She will be out of work for 6 weeks. Who will pay her lost wages?

Health Insurance

Disability Insurance

Which Insurance would pay for this situation?

Loretta had a heart attack while at home. She will be out of work for 6 weeks. Who will pay her lost wages?

Health Insurance

Disability Insurance

Even though the medical bills for Loretta’s heart attack will be paid by health insurance, they will not cover lost wages. Disability Insurance covers that.

Which Insurance would pay for this situation?

Loretta was driving home from work when another car slammed into her car. She injured her neck and needs

to pay the hospital bills.

Health Insurance

Auto Insurance

Which Insurance would pay for this situation?

Loretta was driving home from work when another car slammed into her car. She injured her neck and needs

to pay the hospital bills.

Health Insurance

Auto Insurance

Loretta was injured in an auto accident. The other driver’s auto insurance will pay for her medical bills.

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Poor Loretta! She has the WORST LUCK!

I hope her bad luck examples helped you learn more about insurance.