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Nobody ever plans on developing a debilitating disease that would then make them unable to perform their job and earn a living. Generally speaking, people don’t want to think about what would happen if they were injured while at work, developed a mental illness or fell prey to some other issue that otherwise incapacitated them – they’d generally prefer to just hope that these things won’t happen at all. Statistically speaking, however, these types of issues are quite common: according to the National Treasury Employees Union in 2009, one disabling accident occurs in this country every second. This is one of the many reasons why disability insurance is so important.What is Disability Insurance?   As its name suggests, disability insurance is designed to help make sure that both you and your family members are well taken care of financially in the event that you somehow become unable to work for

At their core, insurance of all types are designed to protect you, your business, your employees or your loved ones (or all of the above) from harm in the event that something unfortunate should happen. Just as healthcare plans are designed to protect your employees in the event of an unforeseen illness or injury, life insurance operates on largely the same principle. If you’re trying to make sure that your family will be properly taken care of in the unfortunate event of your passing, there are a few very important things that you need to know about life insurance.   What is Life Insurance?   In essence, life insurance is designed to make sure that the loved ones that you leave behind are taken care of from a financial perspective in the unfortunate event of your passing. After losing a loved one, everything from funeral expenses to mortgage payments to

You may have heard about a health savings account and how it can occasionally be used in lieu of a traditional health insurance plan. While this is technically true, there are a few reasons why a traditional health insurance plan is preferable. A health savings account is a tax-advantaged bank account that remains in your possession and can be used for health care expenses. It’s very similar to an educational savings account or a tax-advantaged retirement account. The Benefits of a Health Savings Account Some individuals prefer a health savings account because it leaves them in charge of their own money; they still are in possession of their money rather than an insurance provider. A health savings account does not entirely preclude the use of an insurance plan; a high-deductible insurance plan is usually still included. Health savings accounts may be beneficial to those who are healthy and who remain