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Summary Of Passion Purpose And Protection

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Passion, Purpose, and Protection: The Ability of Disability Insurance
The book Passion, Purpose, Protection: The Ability of Disability Insurance is written by John F. Nickols, a disability benefits consultant who receives national recognition. The author has an expert position as a disability proceedings witness. Additionally, he is the founder of the disability administration system and disability products. Currently, he holds an administrative position in the Disability Resource Group which was founded in the year 1999 and acts as a national insurance agency for people with disability. The book is inspired by the author’s passion for ability and disability insurance.
Disability is categorized into two groups: short term and long term. Disability …show more content…

Statistics obtained between 2009 and 2012 indicate that about 60% of people with long-term disability insurance coverage are of the female gender (Nichols 51). Insurance coverage is necessary to protect an individual and those who depend on the individual’s ability to generate income. The policy is appropriate throughout a person’s career. In his book, Nichols implies that many financial advisers of disability insurance tend to think of personal income protection (Nichols 72). This is one way to safeguard the assets, businesses, and the clients themselves. Nichols also recognizes diverse opportunities for expertise and availability of several products in the realm of disability …show more content…

It is a common culture for the owner of any business to try as much as possible to offer protection to the important stakeholders in the firm. However, this may become difficult as the firm grows. Many large companies owners tend to focus on executive staff, key employees, and business partners. Nichols states that Qualified Sick Pay Plan (QSPP) has to be put in place to avoid putting the business at risk (Nichols 162). QSPP determines which person is to be paid, how much is to be compensated, and how long a person will continue to earn salaries in the case of disability due to illness or injury. The formulation can entail different terms for various categories of employees in an organization. The plan can be funded through disability income policies or

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