An often overlooked but key area of your overall protection strategy is the need to protect your income stream if you are unable to work due to illness or injury. Think about the financial impact if ...

Preparing for employees to take a disability leave for an illness or injury can be a stressful experience for benefit and HR managers. With a full plate of work on top of arranging for reasonable ...

One in four 20-year-old Americans will be disabled before they reach age 67, according to the Social Security Administration. This reality underscores the need for long-term disability insurance (LTDI ...

The benefits of long-term disability policies are often offset by the amount of Social Security and retirement benefits you qualify to receive. In other words, the benefit will only pay the difference ...

Insurance can be a cost-effective way to protect yourself financially from expensive issues like a house fire, car accident or serious health condition. Understanding the different types of insurance ...

People don't get to choose the illnesses that render them too disabled to work, but insurance companies have the power to approve or deny claims based on where in the body their condition exists. It's ...

A 20-something today has a one in four chance of becoming disabled before retirement, according to the Social Security Administration. While Social Security disability benefits can help, the average ...

Today’s work climate is geared toward freelance jobs, which makes it especially important for self-employed people to know how to arrange for their financial needs. One major fear among sole ...

Northwestern Mutual: Many people don't realize what tax implications can come from going on short term disability. Are insurance premiums tax-deductible? Is short term disability taxable? There are ...

Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...