And answers to other questions often asked about retirement finances
I often encounter people who are unsure if they need disability insurance. “It’ll never happen to me” is a common mindset.
“Understanding both short- and long-term disability coverage options is one of the most important ways individuals can protect themselves, their families and their finances,” said Bill Smith, the president of Cigna Group Insurance.
The number of former workers enrolled in the Social Security disability program has more than doubled in the last two decades, and the reasons why have little to do with the health of our workforce.
Disability insurance provides partial income replacement so that if someone becomes disabled, they need not dive into savings, sell a home or radically change how they live. Working people are more likely to become disabled than they are to die prematurely, even though twice as many people have life insurance as have disability coverage, according to industry statistics.
Personal finance isn’t just about growing your finances – it’s also about protecting what you have. Most experts advise insuring your home, your car, your health and your life. What many of us never get around to doing is insuring our earning power.
OF all the types of insurance people are thinking about, disability insurance may be the last on the list.
The Answer is YES! Here’s the good news and the bad news about disability insurance.
Disability Insurance is providing a much-needed safety net for 9 million Americans, but basic flaws in the program's structure mean that many never work again.
Given the high price, most people who consider buying the coverage on their own talk themselves out of it using logic that goes something like this: I’m white collar. The odds are with me.
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