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Safety Net

机译：安全网

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摘要

After earning a ph.d. in sociology, danny bazil Riley started to work as the general manager at a commercial real estate firm at an annual base salary of $70,000. Soon after, a financial planner stopped by his desk to drop off brochures about insurance benefits available through his employer. But, at 32, "buying insurance was the furthest thing from my mind," says Riley. Yet one thing caught Riley's eye: a pamphlet describing a kind of insurance that provided income replacement in the event of a disability. The annual premium for Riley's income and occupation was $1,800. "I knew what my debt ratio was and how devastating it would be if I lost my source of income," says Riley. "While never in a million years did I think I would ever really need it, buying the insurance seemed the smart thing to do." Three years later Riley was diagnosed with an organic brain disease. Easily confused and unable to concentrate for long stretches, he was forced to quit his job. "Life, as I knew it, had come unraveled," says Riley.
机译：获得博士学位后。社会学方面，丹尼·巴兹尔·赖利（Danny bazil Riley）开始在一家商业房地产公司担任总经理，年基本薪金为70,000美元。不久之后，一位理财规划师在他的办公桌前停下来，放下有关可通过其雇主获得的保险福利的小册子。但是，莱利说：“ 32岁那年，“买保险是我心中最远的事情”。然而，有一件事情引起了莱利的注意：一本小册子描述了一种保险，该保险在发生残疾时提供收入替代。赖利的收入和职业的年度保费为1,800美元。赖利说：“我知道我的债务比率是多少，如果我失去了收入来源，那将是多么灾难性的后果。” “虽然我在一百万年来从未真正需要过，但购买保险似乎是明智之举。”三年后，赖利被诊断出患有器质性脑病。容易困惑，无法长时间集中注意力，他被迫辞职。莱利说：“据我所知，生活已经破灭了。”

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  • 来源
    《Forbes》 |2004年第12期|p.192194|共2页
  • 作者

    CARRIE COOLIDGE;

  • 作者单位
  • 收录信息 美国《科学引文索引》(SCI);
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类 世界经济问题;
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