Long-term disability insurance (LTD) is a critical but often misunderstood aspect of financial planning. It provides a safety net in case you become unable to work due to a disability, ensuring that you can continue to meet your financial obligations…
After living in the shadow of the global COVID pandemic for more than two years, the world is ready to move on, but the virus continues to show that it isn't ready to leave us just yet. According to Worldometer,…
It’s easy to think that a long-term disability diagnosis will never happen to you. But having a safe profession and low-risk lifestyle does not negate the need to protect your income if you are no longer able to perform the…
With rising medical costs and a lack of emergency savings, many Americans are at risk of financial difficulty if they miss work due to illness, injury, or pregnancy. This is why it’s more important than ever to prepare for the…
When we’re young, we don’t always think about what could happen in the future. The truth is, debilitating accidents, illnesses, and injuries can happen to anyone, at any time, and any age. So no matter how young you are, it’s…
According to Smithsonian, Gallup’s 2019 Global Emotions Report illustrated that “More than half of United States respondents—around 55 percent—reported feelings of high stress the day prior to being polled…" while 45 percent said they felt worried "a lot of the…
When was the last time you thought about what would happen to your family if you suddenly couldn’t work? If you have to think about it, then chances are, it’s been a while. The simple truth is that one out…
Throughout the history of civilization, there have always been things that we did not understand— things that we believed to be real but couldn’t see. Faith, love— even germs all spring to mind though we may not have always had…
Think about it. When was the last time you saw a lawyer with a disability? And no, Netflix’s legally-blind Daredevil “Matt Murdock,” doesn’t count. For years it has been touted that prior to the age of retirement, one out of…
According to the Council for Disability Awareness, it is estimated that one out of every four Americans will find themselves diagnosed with a disability prior to retiring at the age of 65. Additional studies show that less than half of…