Many people confuse disability insurance with long-term care insurance, but they are actually two very different types of coverage. Today we're going to clarify the difference and run through what each one does. Disability Insurance Disability insurance is coverage that replaces up to 60% of your income during your working years, expiring at age 65, if you should become ill or have an injury that prevents you from working for an extended period of time. You can also think o

If you, and/or your family depend on your paycheck to keep the monthly bills paid, and everything running smoothly, then the need for disability insurance is a no brainer. The most overlooked of the major types of insurance coverage is the one that actually covers a far more common risk--loosing your paycheck for a period of time because of a temporary illness or injury. In a nutshell, if you suffer an illness or injury that prevents you from being able to work for a period

If you value your income and lifestyle, then you need to make sure that you have some sort of plan in place to protect it. When there is no plan, disastrous results can happen when life throws you a curve ball that you weren’t prepared for. Unfortunately many people don’t plan ahead, and this can be for a few reasons. Maybe they don’t know where to start, so they just do nothing. Or they think that nothing will ever happen to them that affects their ability to work or make