A transistor is a semiconductor device used to amplify and switch electronic signals and electrical power. It is composed of semiconductor material with at least three terminals for connection to an external circuit. bipolar transistor has terminals labeled base, collector, and emitter. A small current at the base terminal (that is, flowing between the base and the emitter) can control or switch a much larger current between the collector and emitter terminals.
In general, we can only recommend short-term disability insurance if offered by your employer either for free or at a low cost. Private short-term disability insurance is most likely not worth your money; itâs often just as expensive as long-term disability despite having a shorter coverage period.
A disability can strip you of your ability to make a living. While some people can tap into their savings to get by without working for a few months, few people can afford to stop working altogether for a longer period of time. That's where long-term disability insurance can help.Long-term disability policies provide you with income for an extended period.ome policies pay out as long as you are disabled until age 65. The average annual premium for a new group long-term disability policy in 2013 was $226 per person, according to Gen Reâs â2013 U.S. Group Disability and Group Term Life Market Survey.â.