{"id":4403,"date":"2018-05-17T17:14:12","date_gmt":"2018-05-18T01:14:12","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=4403"},"modified":"2018-05-17T17:14:12","modified_gmt":"2018-05-18T01:14:12","slug":"disability_insurance_strategy","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/disability_insurance_strategy\/","title":{"rendered":"\u50cd\u3051\u306a\u304f\u306a\u3063\u305f\u3068\u304d\u306e\u4fdd\u967a\u3000\uff0d\u3000\u6240\u5f97\u88dc\u511f\u4fdd\u967a"},"content":{"rendered":"<p>\u3082\u3057\u3082\u5927\u304d\u306a\u3051\u304c\u3084\u75c5\u6c17\u3067\u50cd\u3051\u306a\u304f\u306a\u3063\u305f\u3089\u3069\u3046\u3059\u308b\u304b\u30fb\u30fb\u30fb\u8003\u3048\u305f\u3053\u3068\u306f\u3042\u308a\u307e\u3059\u304b\uff1f\u751f\u547d\u4fdd\u967a\u306f\u6b7b\u306a\u306a\u3044\u3068\u88dc\u511f\u91d1\u304c\u51fa\u307e\u305b\u3093\u304b\u3089\u3001\u751f\u304d\u3066\u3044\u308b\u9593\u306f\u3042\u3066\u306b\u3067\u304d\u307e\u305b\u3093\u3002\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306eDisability Income\u306f\u5be9\u67fb\u304c\u53b3\u3057\u304f\u901a\u308b\u304b\u308f\u304b\u308a\u307e\u305b\u3093\u3002Worker\u2019s Comp\u3068\u3044\u3046\u306e\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u3053\u3061\u3089\u306f\u8077\u5834\u3067\u3001\u3042\u308b\u3044\u306f\u4ed5\u4e8b\u306e\u9042\u884c\u4e2d\u306b\u8ca0\u3063\u305f\u969c\u304c\u3044\u3067\u306a\u304f\u3066\u306f\u3001\u88dc\u511f\u3078\u306e\u8cc7\u683c\u304c\u3082\u3089\u3048\u307e\u305b\u3093\u3002\u50cd\u3051\u306a\u304f\u306a\u3063\u3066\u53ce\u5165\u304c\u9014\u7d76\u3048\u3066\u3082\u3001\u30e2\u30fc\u30b2\u30fc\u30b8\u30ed\u30fc\u30f3\u3084\u751f\u6d3b\u8cbb\u306f\u304b\u304b\u308a\u307e\u3059\u3002\u3053\u306e\u30ea\u30b9\u30af\u3092\u88dc\u511f\u3059\u308b\u306e\u304c\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u3067\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u304c\u3069\u3046\u3044\u3046\u3082\u306e\u304b\u306b\u3064\u3044\u3066\u306f\u3053\u3061\u3089\uff1a<\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/disability-insuranc\/\" ><strong>\u6240\u5f97\u88dc\u511f\u4fdd\u967a\uff08Disability Insurance\uff09-\u3000\u751f\u547d\u4fdd\u967a\u3088\u308a\u5927\u5207\u306a\u4fdd\u967a\uff1f<\/strong><\/a><\/p>\n<p>\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u306b\u306f\u3001\u77ed\u671f\u306e\u30ea\u30b9\u30af\u3092\u30ab\u30d0\u30fc\u3059\u308b\u3082\u306e\u3068\u3001\u9577\u671f\u306e\u30ea\u30b9\u30af\u3092\u30ab\u30d0\u30fc\u3059\u308b\u3082\u306e\u306e\u3075\u305f\u3064\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u4e8c\u3064\u3092\u3069\u306e\u3088\u3046\u306a\u8003\u3048\u65b9\u3067\u6301\u3064\u3079\u304d\u306a\u306e\u304b\u3001\u4eca\u65e5\u306f\u305d\u306e\u3042\u305f\u308a\u3092\u63a2\u3063\u3066\u307f\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u77ed\u671f\u6240\u5f97\u88dc\u511f\u4fdd\u967a(Short-term Disability Insurance)<\/h2>\n<p>\u77ed\u671f\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u306f\u3001\u75be\u75c5\u3084\u3051\u304c\u306a\u3069\u3067\u77ed\u671f\u9593\u50cd\u304f\u3053\u3068\u304c\u3067\u304d\u306a\u304f\u306a\u3063\u305f\u5834\u5408\u3001\u6240\u5f97\u306e\u4e00\u90e8\u3092\u88dc\u511f\u3057\u3066\u304f\u308c\u308b\u3082\u306e\u3067\u3059\u3002\u901a\u5e38\u30013\u304b\u6708\u304b\u30896\u304b\u6708\u3001\u9577\u304f\u3066\u30821\u5e74\u307e\u3067\u306e\u671f\u9593\u3092\u88dc\u511f\u3057\u307e\u3059\u3002\u901a\u5e38\u3001Sick 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Period\u3068\u3082\u547c\u3076\uff09\u306f180\u65e5\u304b\u3089360\u65e5\u307e\u3067\u306e\u5e45\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u305d\u306e\u7a7a\u767d\u671f\u9593\u3092\u3046\u307e\u304f\u30ab\u30d0\u30fc\u3059\u308b\u3088\u3046\u306b\u52a0\u5165\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u77ed\u671f\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u306f\u96c7\u7528\u4e3b\u304b\u3089\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u306e\u4e00\u90e8\u3068\u3057\u3066\u7121\u511f\u3067\u63d0\u4f9b\u3055\u308c\u308b\u3053\u3068\u3082\u591a\u3044\u3067\u3059\u3002\u7121\u511f\u3067\u306a\u304f\u3068\u3082\u3001\u30b3\u30b9\u30c8\u306e\u4e00\u90e8\u3092\u96c7\u7528\u4e3b\u304c\u8ca0\u62c5\u3001\u4e00\u90e8\u3092\u96c7\u7528\u8005\u304c\u8ca0\u62c5\u3059\u308b\u3088\u3046\u306b\u306a\u3063\u3066\u3044\u308b\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u3044\u305a\u308c\u306b\u305b\u3088\u3001\u7121\u6599\u304b\u5b89\u3044\u4fa1\u683c\u3067\u5229\u7528\u3067\u304d\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u5229\u7528\u3057\u307e\u3059\u3002<\/p>\n<p>\u53cd\u5bfe\u306b\u500b\u4eba\u7684\u306b\u5165\u308d\u3046\u3068\u3059\u308b\u3068\u304b\u306a\u308a\u9ad8\u984d\u306b\u306a\u308b\u5834\u5408\u304c\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u500b\u4eba\u7684\u306b\u52a0\u5165\u3057\u305f\u5834\u5408\u3001\u6708\u306e\u4fdd\u967a\u6599\u304c$50\u304f\u3089\u3044\u304b\u3089$150\u307e\u3067\u5e45\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u5834\u5408\u306f\u3001\u52a0\u5165\u306b\u5c11\u3057\u30b7\u30d3\u30a2\u306b\u306a\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u77ed\u671f\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u306f\u8cb7\u3046\u3079\u304d\u304b\uff1f<\/h2>\n<p>\u77ed\u671f\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u306f\u3001\u524d\u8ff0\u306e\u3068\u304a\u308a\u500b\u4eba\u3067\u5165\u308b\u3068\u9ad8\u984d\u3067\u3042\u308a\u3001\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u9577\u671f\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u3068\u307b\u307c\u540c\u3058\u304f\u3089\u3044\u306e\u30b3\u30b9\u30c8\u306b\u306a\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u4e00\u65b9\u3067\u3001\u53d7\u3051\u3089\u308c\u308b\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u306f\u77ed\u671f\u9593\u3067\u9650\u5b9a\u7684\u3067\u3059\u3002\u671f\u9593\u9650\u5b9a\u3067\u30b5\u30a4\u30ba\u7684\u306b\u3082\u4e88\u60f3\u306e\u3064\u304f\u91d1\u984d\u7684\u30ea\u30b9\u30af\u306a\u3089\u3070\u3001\u81ea\u5206\u3067\u975e\u5e38\u6642\u306e\u84c4\u3048\u3068\u3057\u3066\u73fe\u91d1\u3092\u6301\u3064\u3053\u3068\u3067\u5099\u3048\u3066\u304a\u304f\u3068\u3044\u3046\u65b9\u6cd5\u304c\u6709\u52b9\u3067\u3059\u3002\u512a\u5148\u9806\u4f4d\u3068\u3057\u3066\u306f\u3001\u671f\u9593\u3082\u3069\u306e\u304f\u3089\u3044\u304b\u4e88\u60f3\u304c\u3064\u304b\u305a\u3001\u5de8\u984d\u306a\u91d1\u92ad\u7684\u30ea\u30b9\u30af\u3092\u30ab\u30d0\u30fc\u3059\u308b\u9577\u671f\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u306e\u307b\u3046\u304c\u3001\u77ed\u671f\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u3088\u308a\u9ad8\u3044\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u96c7\u7528\u4e3b\u304c\u4f4e\u30b3\u30b9\u30c8\u3067\u63d0\u4f9b\u3057\u3066\u304f\u308c\u3066\u3044\u308c\u3070\u305c\u3072\u5229\u7528\u3057\u307e\u3059\u304c\u3001\u305d\u3046\u3067\u306a\u3051\u308c\u3070\u3001\u4fdd\u967a\u6599\u3092\u652f\u6255\u3046\u4ee3\u308f\u308a\u306b\u3001\u4f59\u5270\u91d1\u3092\u975e\u5e38\u6642\u306e\u84c4\u3048\u3068\u3057\u3066\u84c4\u7a4d\u3059\u308b\u3053\u3068\u3092\u512a\u5148\u3057\u3001\u975e\u5e38\u6642\u306e\u84c4\u3048\u304c\u5e95\u3092\u3064\u3044\u3066\u3082\u6240\u5f97\u304c\u5f97\u3089\u308c\u306a\u304b\u3063\u305f\u3068\u304d\u306e\u305f\u3081\u306b\u3001\u9577\u671f\u7684\u306a\u6240\u5f97\u88dc\u511f\u306b\u304a\u91d1\u3092\u304b\u3051\u308b\u65b9\u304c\u7406\u306b\u304b\u306a\u3044\u307e\u3059\u3002<\/p>\n<p>\u307e\u305f\u3001\u30c0\u30d6\u30eb\u30a4\u30f3\u30ab\u30e0\u3001\u3042\u308b\u3044\u306f\u30ec\u30f3\u30bf\u30eb\u53ce\u5165\u306a\u3069\u306e\u4e0d\u52b4\u53ce\u5165\u304c\u3042\u308b\u5834\u5408\u3082\u3001\u5fc3\u5f37\u3044\u652f\u3048\u306b\u306a\u308a\u307e\u3059\u3002\u4e00\u4eba\u306e\u53ce\u5165\u304c\u9014\u7d76\u3048\u3066\u3082\u3001\u3042\u308b\u7a0b\u5ea6\u306e\u671f\u9593\u306a\u3089\u3001\u3082\u3046\u3072\u3068\u308a\u306e\u53ce\u5165\u3067\u3084\u3063\u3066\u3044\u3051\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u9ad8\u3044\u304a\u91d1\u3092\u6255\u3063\u3066\u306e\u77ed\u671f\u6240\u5f97\u88dc\u511f\u306f\u5fc5\u8981\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u9577\u671f\u6240\u5f97\u88dc\u511f\u4fdd\u967a\uff08Long-term Disability Insurance\uff09<\/h2>\n<p>\u9577\u671f\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u306f\u77ed\u671f\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u3088\u308a\u512a\u5148\u9806\u4f4d\u304c\u9ad8\u304f\u3001\u3067\u304d\u308b\u3060\u3051\u8cfc\u5165\u3057\u305f\u65b9\u304c\u3088\u3044\u4fdd\u967a\u3067\u3059\u3002\u77ed\u671f\u7684\u306a\u6240\u5f97\u306e\u55aa\u5931\u306f\u671f\u9593\u304c\u9650\u5b9a\u3055\u308c\u3066\u3044\u308b\u305f\u3081\u3001\u524d\u8ff0\u306e\u3068\u304a\u308a\u3001\u975e\u5e38\u6642\u306e\u84c4\u3048\u3092\u6301\u3064\u3053\u3068\u3067\u30ab\u30d0\u30fc\u304c\u3067\u304d\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u3044\u3067\u3059\u304c\u3001\u9577\u671f\u7684\u306a\u6240\u5f97\u306e\u55aa\u5931\u306f\u3001\u9577\u671f\u306b\u306a\u308c\u3070\u306a\u308b\u307b\u3069\u5bb6\u8a08\u3078\u306e\u30c0\u30e1\u30fc\u30b8\u304c\u5927\u304d\u304f\u306a\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u5b66\u8cc7\u3084\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u6e96\u5099\u304c\u9806\u8abf\u306b\u3044\u3063\u3066\u3044\u305f\u5bb6\u5ead\u3067\u3042\u3063\u3066\u3082\u3001\u6025\u306b\u306f\u3058\u307e\u308a\u9577\u671f\u5316\u3057\u305f\u6240\u5f97\u306e\u55aa\u5931\u306f\u3001\u3059\u3079\u3066\u306e\u6b6f\u8eca\u3092\u72c2\u308f\u305b\u304b\u306d\u307e\u305b\u3093\u3002<\/p>\n<p>\u500b\u4eba\u3067\u4fdd\u967a\u6599\u3092\u8ca0\u62c5\u3057\u305f\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u306f\u3001\u96c7\u7528\u4e3b\u7d4c\u7531\u3067\u52a0\u5165\u3057\u305f\u3082\u306e\u3082\u3001\u500b\u4eba\u7684\u306b\u52a0\u5165\u3057\u305f\u3082\u306e\u3067\u3082\u3001\u53d7\u3051\u53d6\u3063\u305f\u88dc\u511f\u91d1\u306f\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308a\u307e\u305b\u3093\u3002\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u3067\u306f\u6708\u306e\u53ce\u5165\u306e\u4f55\u30d1\u30fc\u30bb\u30f3\u30c8\u307e\u3067\u88dc\u511f\u3059\u308b\u304b\u3092\u9078\u3093\u3067\u52a0\u5165\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u6700\u5927\u3067\u3082\u88dc\u511f\u306f60\uff05\u3069\u307e\u308a\u3067\u3059\u3002\u305d\u308c\u3067\u3082\u3001\u975e\u8ab2\u7a0e\u3067\u306e\u53ce\u5165\u306e60\uff05\u3067\u3059\u304b\u3089\u3001\u751f\u6d3b\u306b\u5fc5\u8981\u306a\u30b3\u30b9\u30c8\u3092\u304b\u306a\u308a\u52b9\u7387\u3088\u304f\u30ab\u30d0\u30fc\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3067\u3057\u3087\u3046\u3002\u4fdd\u967a\u5185\u5bb9\u306b\u3082\u3088\u308a\u307e\u3059\u304c\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5e74\u9f62\u307e\u3067\u88dc\u511f\u3057\u3066\u304f\u308c\u308b\u4fdd\u967a\u3082\u3042\u308a\u3001\u9577\u671f\u5316\u3057\u305f\u5834\u5408\u3082\u5b89\u5fc3\u3067\u3059\u3002\u6240\u5f97\u55aa\u5931\u306e\u671f\u9593\u306e\u9577\u3055\u306b\u3088\u3063\u3066\u3001\u4eba\u751f\u8a2d\u8a08\u306e\u5909\u66f4\u306f\u3042\u308b\u7a0b\u5ea6\u514d\u308c\u307e\u305b\u3093\u304c\u3001\u5927\u304d\u304f\u5bb6\u8a08\u304c\u8ee2\u8986\u3059\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u9577\u671f\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u3092\u3069\u3046\u8cb7\u3046\u304b\uff1f<\/h2>\n<h3>\u96c7\u7528\u4e3b\u8ca0\u62c5\uff1a<\/h3>\n<p>\u96c7\u7528\u4e3b\u304c\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u306e\u4e00\u90e8\u3068\u3057\u3066\u63d0\u4f9b\u3057\u3066\u3044\u308b\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u7121\u511f\uff08\u4fdd\u967a\u6599\u304c\u96c7\u7528\u4e3b\u8ca0\u62c5\uff09\u3067\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u3053\u306e\u5834\u5408\u306f\u53d7\u3051\u53d6\u308b\u88dc\u511f\u984d\u306f\u6240\u5f97\u7a0e\u306e\u8ab2\u7a0e\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\u3002\u3057\u304b\u3082\u3001\u7121\u511f\u63d0\u4f9b\u306e\u88dc\u511f\u984d\u306f\u305d\u308c\u307b\u3069\u5927\u304d\u304f\u306a\u3044\u3053\u3068\u3082\u591a\u304f\u3001\u96c7\u7528\u4e3b\u8ca0\u62c5\u306e\u4fdd\u967a\u3060\u3051\u3067\u306f\u4e0d\u5341\u5206\u306a\u3053\u3068\u3082\u591a\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<h3>\u96c7\u7528\u4e3b\u7d4c\u7531\uff1a<\/h3>\n<p>\u96c7\u7528\u4e3b\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3068\u3057\u3066\u3001\u96c7\u7528\u8005\u304c\u5fc5\u8981\u306b\u5fdc\u3058\u3066\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u306b\u5165\u308c\u308b\u3088\u3046\u306b\u3001\u30b0\u30eb\u30fc\u30d7\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u3082\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u3053\u306e\u5834\u5408\u306f\u3001\u4fdd\u967a\u52a0\u5165\u3092\u500b\u4eba\u304c\u6c7a\u3081\u3001\u4fdd\u967a\u6599\u3082\u500b\u4eba\u304c\u8ca0\u62c5\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u53d7\u3051\u53d6\u308b\u88dc\u511f\u984d\u306f\u6240\u5f97\u7a0e\u306e\u5bfe\u8c61\u3068\u306f\u306a\u308a\u307e\u305b\u3093\u3002\u30b0\u30eb\u30fc\u30d7\u4fdd\u967a\u3067\u3059\u306e\u3067\u3001\u52a0\u5165\u306b\u5be9\u67fb\u304c\u306a\u3044\u5834\u5408\u3082\u591a\u304f\u3001\u7c21\u5358\u306b\u5165\u308c\u307e\u3059\u3002\u591a\u304f\u306e\u5834\u5408\u3067\u3001\u4fdd\u967a\u6599\u3082\u500b\u4eba\u3067\u5165\u308b\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u3088\u308a\u3082\u5b89\u3044\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u96c7\u7528\u4e3b\u7d4c\u7531\u3067\u5165\u308b\u30b0\u30eb\u30fc\u30d7\u4fdd\u967a\u306f\u3001\u3082\u3057\u3082\u4ed5\u4e8b\u3092\u3084\u3081\u305f\u5834\u5408\u306f\u3001\u305d\u306e\u6642\u70b9\u3067\u5951\u7d04\u304c\u7d42\u308f\u308a\u306b\u306a\u308b\u304b\u3001\u3042\u308b\u3044\u306f\u7d99\u7d9a\u3067\u304d\u305f\u3068\u3057\u3066\u3082\u5927\u304d\u304f\u4fdd\u967a\u6599\u304c\u4e0a\u304c\u308b\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u3002\u4ed5\u4e8b\u3092\u983b\u7e41\u306b\u5909\u308f\u308b\u53ef\u80fd\u6027\u306e\u3042\u308b\u4eba\u306f\u3001\u305f\u3068\u3048\u96c7\u7528\u4e3b\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3092\u901a\u3057\u3066\u52a0\u5165\u304c\u3067\u304d\u305f\u3068\u3057\u3066\u3082\u3001\u6562\u3048\u3066\u500b\u4eba\u7684\u306b\u52a0\u5165\u3092\u691c\u8a0e\u3057\u305f\u307b\u3046\u304c\u3088\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<h3>\u8077\u696d\u95a2\u9023\u56e3\u4f53\u7d4c\u7531\uff1a<\/h3>\n<p>\u3082\u3057\u30d7\u30ed\u30d5\u30a7\u30c3\u30b7\u30e7\u30ca\u30eb\u56e3\u4f53\u3084\u5b66\u4f1a\u3001\u8077\u696d\u30a2\u30bd\u30b7\u30a8\u30fc\u30b7\u30e7\u30f3\u306a\u3069\u306b\u52a0\u5165\u3055\u308c\u3066\u3044\u305f\u3089\u3001\u305d\u308c\u3089\u306e\u56e3\u4f53\u3067\u30b0\u30eb\u30fc\u30d7\u4fdd\u967a\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u50cd\u304f\u4f1a\u793e\u304c\u5909\u308f\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u4ed5\u4e8b\u5185\u5bb9\u3084\u5c02\u9580\u304c\u5909\u308f\u3089\u305a\u3001\u540c\u3058\u56e3\u4f53\u306b\u5c5e\u3057\u7d9a\u3051\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u3053\u3061\u3089\u306e\u30b0\u30eb\u30fc\u30d7\u4fdd\u967a\u306e\u65b9\u304c\u9069\u5207\u3068\u3082\u3044\u3048\u307e\u3059\u3002\u96c7\u7528\u4e3b\u3068\u8077\u696d\u56e3\u4f53\u7d4c\u7531\u3068\u3092\u6bd4\u8f03\u3057\u3066\u3001\u3088\u3044\u307b\u3046\u306b\u52a0\u5165\u3059\u308b\u3068\u3044\u3046\u306e\u3082\u3088\u3044\u65b9\u6cd5\u3067\u3059\u3002<\/p>\n<h3>\u500b\u4eba\u3067\uff1a<\/h3>\n<p>\u5b8c\u5168\u306b\u500b\u4eba\u3068\u3057\u3066\u52a0\u5165\u3059\u308b\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u306f\u3001\u30b3\u30b9\u30c8\u7684\u306b\u5272\u9ad8\u306a\u3053\u3068\u3082\u591a\u3044\u3067\u3059\u3002\u307e\u305f\u3001\u8077\u696d\u6b74\u304c\u77ed\u304b\u3063\u305f\u308a\u3001\u53ce\u5165\u304c\u5b89\u5b9a\u3057\u3066\u3044\u306a\u304b\u3063\u305f\u308a\u3001\u5371\u967a\u3092\u4f34\u3046\u8077\u696d\u3067\u3042\u3063\u305f\u308a\u3001\u3042\u308b\u7a0b\u5ea6\u5e74\u9f62\u304c\u9ad8\u3044\u3001\u3042\u308b\u3044\u306f\u5065\u5eb7\u4e0a\u306e\u554f\u984c\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u52a0\u5165\u304c\u96e3\u3057\u3044\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u305f\u3060\u3001\u4fdd\u967a\u4f1a\u793e\u306b\u3088\u3063\u3066\u5224\u65ad\u57fa\u6e96\u306f\u307e\u3061\u307e\u3061\u3067\u3001\u307e\u305f\u4fdd\u967a\u5185\u5bb9\u3082\u4fdd\u967a\u6599\u3082\u304b\u306a\u308a\u30d0\u30ea\u30a8\u30fc\u30b7\u30e7\u30f3\u304c\u3042\u308a\u307e\u3059\u304b\u3089\u3001\u4e00\u3064\u306e\u4f1a\u793e\u3067\u52a0\u5165\u3067\u304d\u306a\u304b\u3063\u305f\u304b\u3089\u3068\u3044\u3063\u3066\u3042\u304d\u3089\u3081\u305a\u3001\u5fc5\u8981\u306b\u5fdc\u3058\u3066\u5341\u5206Shop around\uff08\u898b\u7a4d\u3082\u308a\u3092\u8907\u6570\u3068\u308b\uff09\u3057\u3066\u3001\u3067\u304d\u308b\u3060\u3051\u306e\u88dc\u511f\u3092\u8cfc\u5165\u3059\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<h3>\u751f\u547d\u4fdd\u967a\u306eRider\uff1a<\/h3>\n<p>\u4ee3\u66ff\u6848\u3068\u3057\u3066\u3001\u751f\u547d\u4fdd\u967a\u306bRider\uff08\u7279\u7d04\uff09\u3068\u3057\u3066\u3064\u3051\u308b\u6240\u5f97\u88dc\u511f\uff08Monthly Disability Income Rider\u306a\u3069\u3068\u547c\u3070\u308c\u308b\uff09\u3067\u6240\u5f97\u88dc\u511f\u3092\u88dc\u3046\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002\u500b\u4eba\u3067\u306f\u6240\u5f97\u88dc\u511f\u306b\u5165\u308c\u306a\u3044\u3001\u3042\u308b\u3044\u306f\u5165\u308c\u3066\u3082\u30b3\u30b9\u30c8\u304c\u9ad8\u3059\u304e\u308b\u5834\u5408\u306f\u3001\u3053\u306eRider\u3067\u3042\u308b\u7a0b\u5ea6\u306e\u30ab\u30d0\u30fc\u3092\u3057\u3066\u304a\u304f\u3053\u3068\u3082\u6709\u52b9\u3067\u3059\u3002\u3053\u306eRider\u306f\u5404\u793e\u5185\u5bb9\u304c\u307e\u3061\u307e\u3061\u3067\u3001Accident\uff08\u4e8b\u6545\uff09\u3067disable\u306b\u306a\u3063\u305f\u5834\u5408\u3057\u304b\u88dc\u511f\u304c\u304a\u308a\u306a\u3044\u3082\u306e\u3082\u3042\u308c\u3070\u3001\u75c5\u6c17\u306a\u3069\u3082\u3092\u542b\u3081\u3066\u3069\u3093\u306adisability\u3067\u3082\u30ab\u30d0\u30fc\u3059\u308b\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u304b\u3089\u3001\u5185\u5bb9\u3092\u3088\u304f\u78ba\u8a8d\u3057\u307e\u3057\u3087\u3046\u3002\u305f\u3060\u3001\u4fdd\u8a3c\u671f\u9593\u306f\u901a\u5e38\u6700\u95772\u5e74\u307e\u3067\u3068\u306a\u3063\u3066\u3044\u308b\u3082\u306e\u304c\u591a\u3044\u3088\u3046\u3067\u3059\u3002\u9577\u671f\u5316\u3057\u305fdisability\u306b\u306f\u5bfe\u5fdc\u3067\u304d\u307e\u305b\u3093\u3002\u3086\u304f\u3086\u304f\u306f\u9577\u671f\u6240\u5f97\u88dc\u511f\u3092\u8cfc\u5165\u3059\u308b\u3053\u3068\u3092\u5ff5\u982d\u306b\u7f6e\u304d\u306a\u304c\u3089\u3001\u5f53\u9762\u306e\u88dc\u511f\u3092\u8cb7\u3063\u3066\u304a\u304f\u3068\u3044\u3046\u610f\u5473\u3067\u306f\u3001\u3053\u306eRider\u306f\u3088\u3044\u9078\u629e\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u3082\u3046\u3072\u3068\u3064\u3001\u751f\u547d\u4fdd\u967a\u306eRider(\u7279\u7d04)\u3067\u3001Accelerated Death Benefit Rider \u3068\u3044\u3046\u306e\u3082\u3042\u308a\u3001\u3053\u3061\u3089\u306f\u3001Terminally Ill\uff08\u4f59\u547d\u5ba3\u544a\u3092\u53d7\u3051\u305f\u72b6\u614b\uff09\u306e\u5834\u5408\u3001\u5b9f\u969b\u306e\u6b7b\u306e\u524d\u306b\u3001\u6b7b\u4ea1\u4fdd\u8a3c\u91d1\u3092\u524d\u5012\u3057\u3057\u3066\u652f\u6255\u3063\u3066\u304f\u308c\u308bRider\u3067\u3059\u3002\u3053\u3061\u3089\u306f\u3001Disable\u306e\u72b6\u614b\u3067\u3082\u3001\u6b7b\u306b\u306f\u3064\u306a\u304c\u3089\u306a\u3044\u72b6\u614b\u3067\u3042\u308c\u3070\u3001\u88dc\u511f\u306f\u51fa\u307e\u305b\u3093\u3002\u4e00\u5b9a\u306e\u6761\u4ef6\u304c\u305d\u308d\u308f\u306a\u3044\u3068\u88dc\u511f\u304c\u53d7\u3051\u3089\u308c\u307e\u305b\u3093\u306e\u3067\u3001\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u306b\u4ee3\u308f\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u305f\u3060\u3053\u3061\u3089\u3082\u6240\u5f97\u88dc\u511f\u4fdd\u967a\u304c\u52a0\u5165\u3057\u306b\u304f\u3044\u5834\u5408\u306a\u3069\u306f\u3001\u305b\u3081\u3066\u3082\u306e\u88dc\u511f\u304c\u53d7\u3051\u3089\u308c\u308b\u3088\u3046\u306b\u7279\u7d04\u3092\u4ed8\u3051\u3066\u304a\u304f\u3053\u3068\u306f\u6709\u52b9\u3067\u3057\u3087\u3046\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u3082\u3057\u3082\u5927\u304d\u306a\u3051\u304c\u3084\u75c5\u6c17\u3067\u50cd\u3051\u306a\u304f\u306a\u3063\u305f\u3089\u3069\u3046\u3059\u308b\u304b\u30fb\u30fb\u30fb\u8003\u3048\u305f\u3053\u3068\u306f\u3042\u308a\u307e\u3059\u304b\uff1f\u751f\u547d\u4fdd\u967a\u306f\u6b7b\u306a\u306a\u3044\u3068\u88dc\u511f\u91d1\u304c\u51fa\u307e\u305b\u3093\u304b\u3089\u3001\u751f\u304d\u3066\u3044\u308b\u9593\u306f\u3042\u3066\u306b\u3067\u304d\u307e\u305b\u3093\u3002\u30bd\u30fc\u30b7\u30e3\u30eb\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u306eDisability 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