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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.
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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 days[1] 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.
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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.
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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.
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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 more[2], 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.
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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?
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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.
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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.
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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 age[3].
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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.
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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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