Shutterstock I injured my eye in a minor accident when I first became a full-time freelancer and it cost me $3,000 in medical bills. I had enough savings to cover my medical expenses and bills for the month I had to miss work, but I knew I had to purchase …

The main benefit of disability coverage, which most employees understand, is the partial payment of income if a working person experiences a covered disabling event. (Photo: Shutterstock) Disability Insurance Awareness Month ended in May, but its messages are more relevant than ever. The seriousness of these messages creates the opportunity …

As a financial planner, I spend a great deal of my time helping my clients plan for unforeseen events that could affect their financial well-being. Recently, I found myself facing a similar situation. After years of limited mobility, I finally decided to have arthroscopic hip surgery. I had to take …

Both short and long term disability insurance are important benefits that many employers provide to their employees. These benefits can provide a valuable safety net for employees who are fortunate enough to have an employer that includes them in their benefits package. However, is the perk as valuable as it …