PART 3 OF 3: DISABILITY AND LIFE-INSURANCE – {CONTINUED FROM PART 2: DISABILITY INSURANCE IS OFTEN MORE IMPORTANT THAN LIFE INSURANCE}

The purpose of these three blogs is to increase your awareness of the potential severe financial impact for people suffering from chronic illnesses or life altering injuries. Either an illness or injury can abruptly end your ability to work and earn a living. Recall that 40% of Americans suffer one or more chronic illnesses.  And many struggle to survive day-to-day expenses and needs. There are actions you can take today to ...

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A FINANCIAL PLAN FOR LIVING WITH CHRONIC ILLNESS (PART 1 OF 3)

The US Health Care system is a mess.  This blog attempts to help you understand how to navigate our patched together health care system, for those with serious health problems and expenses.   Over 133 million Americans or about 40% of our population suffer from a Chronic Illness with about 81 million having multiple conditions. A chronic disease/illness as defined by the U.S. National Center for Health Statistics, is a disease lasting three ...

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PART 2: DISABILITY INSURANCE RESTRICTIONS AND HOW MUCH $$$ INSURANCE IS NEEDED {CONTINUED FROM: PART 1: INSURANCE SHOULD BE NO MORE OF AN OPTION THAN EMPLOYMENT!}

If I could have one ”do over” insurance decision, I would have purchased personal/private short and long-term disability insurance, in my 20’s.  Recently I became one of the 40% of Americans with a chronic illness and applied for short and long term disability insurance. I discovered several loopholes and “20-foot concrete, steel-reinforced walls/barriers”, depending solely on and Employer Sponsored Disability Insurance Policy!  RISK FACTORS Majority of you face the strong likelihood you will work for several ...

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DISABILITY INSURANCE IS OFTEN MORE IMPORTANT THAN LIFE INSURANCE {1 of 2 PARTS}

The United Stated has a population of about 327million people. About 40% of our population or over133 million Americans suffer from a Chronic Illness. And about 81 million Americans have multiple conditions. I am one of the 40% and suffer from an autoimmune disease called Sarcoidosis. I know first hand how a chronic illness can have a negative impact on your career and finances.  Today’s blog will give some suggestions how to survive the ...

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