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Entrepreneur September 2004 Jacquelyn Lynn	On the Disabled List? The average American worker has a 1 in 3 chance of becoming disabled for 90 days or more during his or her working years. So it makes sense to include disability insurance in your benefits package.
The Motley Fool February 6, 2007 Dan Caplinger	Dealing With a Disability You hope it won't happen to you, but if it does, be prepared. Private insurance isn't the only way in which disabled people can obtain the means to support themselves.
The Motley Fool October 25, 2004	Do You Need Disability Insurance? There's a good chance you'll become disabled for a while. Are you protected?
The Motley Fool July 8, 2004	Don't Forget Disability Insurance Disability insurance is expensive because there's a good chance you'll need it one day.
CFO July 1, 2006 Randy Myers	The Fine Art of Self-Protection Why buying your own disability coverage may be a smart move.
American Family Physician November 1, 2001 Bruce A. Barron	Disability Certifications in Adult Workers: A Practical Approach Strategies that help the physician complete disability certification forms effectively...
The Motley Fool May 23, 2006	Is Disability Insurance for You? Disability insurance is expensive for a reason -- there's a good chance you'll need it.
The Motley Fool September 15, 2004	"Disabled" May Not Mean What You Think In the disability insurance field, the term can cover anything from broken legs to brain injuries.
The Motley Fool August 3, 2004	Ruptured Appendix? Torn ACL? How good is your disability insurance policy?
The Motley Fool September 14, 2005	You May Need Disability Insurance Disabilities usually happen to those who least expect them. Be prepared.
The Motley Fool November 28, 2005	Defining the Term "Disabled" Disability insurance is pricey because there's a good chance you'll need it. It is a dangerous thing to ignore.
Inc. June 1, 2003 Nadine Heintz	Disability's Deep Costs The soaring number of workers on permanent disability threatens to drive up payroll taxes.
The Motley Fool December 24, 2007 Rich Duprey	Don't Let Social Security Disable Your Future With a growing backlog of disability claims, you may be waiting awhile if you rely on the government to protect you.
The Motley Fool October 16, 2006 Tim Beyers	Foolish Advice on Disability Insurance The odds that you'll be out of work for an extended period are greater than you think.
Insurance & Technology June 1, 2006 Maria Woehr	A Successful Submission As part of its overall e-business strategy, Sun Life Financial's U.S. Group Insurance Division has introduced a new online disability claims submission system that allows customers to file paperless claims while safeguarding their privacy.
Entrepreneur November 2008 Carol Tice	5 Tips to Keep Comp Costs Down Take steps to minimize workplace injuries, and your business workers' compensation bills may come out unscathed.
The Motley Fool November 10, 2007 Elizabeth Brokamp	Protect Your Family When Disability Strikes The majority of Americans fail to secure disability insurance for themselves, something they are statistically likely to need. If you don't already have this coverage, read these guidelines and start looking.
Financial Planning November 1, 2011 Donald Jay Korn	Barely Covered When the going gets tough, the tough cut costs. Clients worried about their finances may think about dumping big expenses that may seem to be a luxury, such as disability insurance. In this case, they would likely be wrong.
Managed Care December 2007	Employers Offer Financial Incentives for Healthy Behavior With pressure to control health care costs mounting, more companies plan to offer financial incentives to reward workers who adopt healthy lifestyles, according to a survey.
The Motley Fool June 28, 2006	"Disabled" May Not Mean What You Think Even pregnancy and recovery from it can qualify as disabilities in some insurance plans.
Entrepreneur February 2007 Chris Penttila	Mind Games How to deal with an employee you suspect has a psychiatric disorder.
Job Journal October 5, 2008 Newman & Carr	When Co-workers Have Disabilities All workers bring strengths and weaknesses, but it's always a team effort.
Financial Planning July 1, 2013 Ilana Polyak	Disability Insurance: Are You Protected? Advisors need to think about disability insurance coverage for both themselves and their clients.
The Motley Fool April 1, 2004 Selena Maranjian	Prepare to Be Disabled Disability insurance is expensive -- because you stand a good chance of needing it. Disability insurance is in many ways more important than life insurance, yet it's overlooked by the vast majority of Americans.
The Motley Fool February 11, 2009 Dayana Yochim	Don't Let a Disability Turn Into a Financial Disaster A short-term disability that turns into a long-term one can seriously sideline your finances. Supplemental coverage can save your savings from a big hit.
The Motley Fool March 28, 2005	What Happens If You Can't Work? Know what to look for in disability insurance.
The Motley Fool February 6, 2007 Dan Caplinger	Dealing With a Disability: Part 2 An unexpected illness or injury that leaves you disabled can be devastating both personally and financially. You hope it'll never happen, but if it does, be prepared.
Inc. August 2003 Bobbie Gossage	Court Sides With Biz on Disability The Supreme Court rules that businesses can reject employee disability benefits when their doctor disagrees with the treating physician.
Investment Advisor February 2010 Marlene Y. Satter	Insurance Update: Along for the Rider If your clients are looking for limited disability coverage without taking on a whole new policy, they could look at life insurance.
American Family Physician February 15, 2001 Michael P. McGrail	Disability Prevention Principles in the Primary Care Office Assessment of impairment and subsequent disability is best made on the basis of objective data by use of a biopsychosocial model to ensure that the expression of disability does not mask other unaddressed psychologic or social issues...
Insurance & Technology February 7, 2004 Greg MacSweeney	Employee Benefits Deal To better serve the employee benefits marketplace, Applied Systems is teaming with BenefitPoint to give agents using Applied Systems applications the ability to service benefits packages directly from their agency management systems.
The Motley Fool May 31, 2006 Dan Caplinger	Estate Planning: Single and Getting Ahead Once you've gotten a good start, plan to stay ahead of the game. As you begin to build your assets, it becomes even more important to consider various estate-planning issues.
Job Journal October 7, 2007 Rich Heintz	Clearing the Way for Co-workers with Disabilities Ninety-seven percent of employers who have hired someone with a disability would do it again, and here's why.
IndustryWeek November 16, 2011 Jill Jusko	How Not to Lose a Productive Employee The Schwan Food Co. finds the right recipe for driving down costs related to disability absences and keeping skilled workers on the job.
Insurance & Technology August 25, 2004 Julie Gallagher	Spreading the Word Mass Mutual uses Web tools to educate consumers about disability income insurance. The site, which is targeted at individuals, benefits administrators and producers, warns that the average plan may not provide adequate coverage.
Managed Care June 2001	Study Challenges Life Expectancy's Link To Disability Has the price of increased life expectancy been greater rates of people living with disability? A study published in the Proceedings of the National Academy of Sciences challenges this popular assumption...
The Motley Fool August 25, 2006 Roy Lewis	Disability Penalty Exceptions When is "disabled" not "disabled?" Tax Court rulings on qualified plan distributions have the answer.
The Motley Fool November 1, 2004 Dayana Yochim	How to Shop on the Clock Doctors' bills? Disability insurance? Company stock? Put it on the boss's tab.
IndustryWeek January 1, 2008 Adrienne Selko	Employers Offering Financial Rewards for Healthy Behavior Almost half of companies interviewed offer financial incentives to help workers improve health.
AskMen.com Nate Steere	Addressing Employee Complaints Employee complaints are inevitable, and it's not always easy to know what to say.
Investment Advisor December 2006 Marlene Y. Satter	Physician, Insure Thyself After a long dry spell, physicians and dentists are once again able to get disability insurance coverage that matters. Here is how financial advisors can help.
The Motley Fool September 14, 2006 Dan Caplinger	The Definition of Independence For a small-business owner, hiring an employee is a big step. Ignoring the rules classifying employees can be a costly tax mistake for your business.
The Motley Fool March 8, 2005	Common Insurance Mistakes Don't let yourself be under- or over-insured.
Entrepreneur December 2009	Candid Talk About Performance Evaluations It's evaluation season - does any topic spark more debate between employees and managers?
Registered Rep. August 1, 2005 Janet Arrowood	When a Partner Leaves What many partners should do -- and what any rep with an insurance license can help with -- is to fund a buy/sell agreement with life insurance. Before you can come up with the appropriate insurance solution, it is important to understand the thinking that went into the structuring of the buy/sell agreement.
Insurance & Technology May 13, 2005 Wendy Toth	Enhancing Online Tools To streamline benefits administration, UnumProvident expanded its suite of online tools to include a step-by-step disability claim filing guide.
Pharmaceutical Executive December 1, 2012 Ben Comer	Top Medical Innovations for 2013 The author profiles 10 innovative technologies designated as new and revolutionary tools for the treatment of disease and disability, such as neuromodulation for cluster and migraine headache.
ifeminists April 13, 2005 Wendy McElroy	Disability Must Be Defined Before Debated The heart-wrenching death of Terri Schiavo has made the issue of disability a matter of debate. Two questions should lay the foundation for any deliberation: What does it mean to be disabled? And how should "normal" people react to those with disabilities?
The Motley Fool January 4, 2008 Buz Livingston	Protect Yourself From Financial Disaster So many lessons can be learned from the 2007 housing crisis.
Financial Planning November 1, 2011 Ed Slott	When a Disability Isn't Disabling The tax code generally assesses a 10% penalty on distributions from qualified plans, including IRAs, before age 59 1/2. But as many advisors and even many clients know, there are a number of exceptions to this rule.