Personal Finance

• Insure Your Earning Ability Celebrities insure their voices, their faces, their legs — well you get the picture. Why wouldn't you insure your ability to earn an income? You may not be living like a rock star, but you don't have to forgo months of paychecks if you become disabled and are unable to work. Check into disability insurance.
   
• It Won't Happen to Me... Most everyone has life insurance to protect their family's finances in case of untimely death, but statistics show one in three people of working age will become disabled and be out of work for 90 days¹ a much higher likelihood than they will die, at most ages. And without savings to back them, most families stand to suffer great financial losses in the event of a disability.
   
• Myth-Busters: The Real Story Behind Disability Insurance It's too expensive. It won't happen to me. I can just get worker's compensation, or Social Security will take care of me. These are some of the most popular misconceptions people have about how they'd cope with being disabled. Read the truth about these and more at the Disability 101 site.
   
• 10 Tips For Selecting the Disability Income Protection Insurance Policy That's Right For You Not all disability insurance policies are built the same. Give your readers tips for selecting a disability policy that serves them well now and in the future.
   
• Maternity Leave Doesn't Have to Leave You Broke Expecting a baby someday? Worried about how you'll manage your finances during maternity leave? With some experts estimating that babies will cost their new parents an extra $200 per month or more², the thought of forgoing your salary can be enough to make you swallow a pacifier. Short-term disability insurance can make the difference. This story would examine the leave options available paid and unpaid and financial planning necessary for today's working mothers-to-be.
   
• Living with a Disability: Could You Make Ends Meet? Give your readers a financial economics lesson on the financial impact of a disability (even a small one) on a family. Compare an individual that has experienced a period of disability with someone who has not how has it affected their lives?
   
• Safeguard Your Most Valuable Asset In today's world, most of us are concerned about own investment portfolios. We want to retire comfortably. A disabling event can put a damper on our plans no matter how much we've saved. Help your readers make the jump from asset accumulation to asset preservation.
   
• Income Protection Insurance: Coverage You Shouldn't Do Without Discuss the need, what to look for in a policy, other disability benefits available, and who should be buying income protection insurance. Explain why job hunters should look for employers who offer it.
   
• Sister, Think It Over. You're an independent woman of the 21st century. You have a great job, great social life, fabulous apartment what more could you want? How about disability insurance? A 30-year-old woman is 7.6 times more likely to become disabled than she is to die at that age. A 40-year-old woman is 5.9 times more likely to become disabled than to die at that age³.
  

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Business

• On Your Own — But Are You Protected? You own your own business finally! A dream come true for many people, but a small business depends on a lot namely on your ability to work. So what happens if you can't fulfill your obligations? Disability insurance can help a small business owner gain peace of mind in case they become disabled, and can be the difference between keeping your dream alive or going back to the drawing board.
   
• Recruit, Retain, Relax How's Hiring? Workers consistently rate benefits packages as one of the main considerations when accepting employment. As a business executive, you're looking at the bottom line and concerned about rising healthcare costs. So how do you get the best minds in your office to stay? Adding disability insurance to your benefits portfolio shows your employees that you care about not only helping them build their assets for the future, but also helping them preserve their finances. And disability policies now have contributory options that can help ease the pressure of business benefits costs.

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1. 2005 Field Guide to Estate Planning, Business Planning & Employee Benefits, by Donald Cady, The National Underwriter Company.
2. Consumer Credit Counseling Service, http://www.cccsatl.org/baby-financial-planning.asp
3. 2005 Field Guide to Estate Planning, Business Planning & Employee Benefits, by Donald Cady, The National Underwriter Company