At least 51 million working adults in the United States are without disability insurance other than the basic coverage available through Social Security. These working folks are facing a growing crisis due to their lack of adequate disability coverage. You may think that disability payments from the government can help you get through tough times should you become partially, temporarily or permanently disabled, but government payments are extremely low. Today, many people are faced with an absence of emergency savings, rising medical costs, and an overall trend of fewer employers offering benefits to workers. This has created a critical blind…

Your ability to make a living is your most valuable asset. Without being able to earn a paycheck, most people will quickly run out of funds and be destitute, particularly considering their financial obligations like a mortgage and expenses for their kids. Whatever your career, having a source of income if you suffer a debilitating work event – or an illness or injury that is non-work related but keeps you from earning – can be the difference between staying in your home or losing it altogether. Why you need disability insurance Disability insurance pays a portion of your income in…