They are also entitled to cost-of-living increases of 3% a year, health and dental insuranceforlife and lump-sum payments for unused sick leave that could reach hundreds of thousands of dollars.
At various stages in a person's life, different kinds of lifeinsurance are needed for particular situations.
在人生的不同阶段，特定的情况需要不同类型的人身保险。
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When the children are young and depend upon the family for financial needs, families with modest incomes have difficulty providing enough lifeinsurance to protect the mother and the children.