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Disability insurance: More important than you may think

By Allyn Hughes, CFP®, ChFC®, CLU®, CAP® Long-term disability (LTD) coverage is an often-overlooked aspect of personal financial planning. LTD insurance provides monthly income to people who become disabled for (usually) 90 days or more. Many employers provide LTD coverage for their e
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Protect Your Greatest Asset—Your Income

May is National Disability Insurance Awareness Month. Myths and assumptions about the need, or lack thereof, for disability insurance make it critical that more awareness is developed to understand the potential risk of losing your income. Your ability to earn income—your human capita
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An Overlooked Tool to Protect Your Income

When you start a new job, or your employer holds its annual open enrollment period for employee benefits, you have an important financial planning opportunity. Many people focus on a company retirement plan as the primary benefit. But don’t overlook risk protection offerings. After he
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