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	<title>The Disability Insurance Blog</title>
	<link>http://www.protectyourincome.com/blog</link>
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	<lastBuildDate>Thu, 22 Jul 2010 00:19:03 +0000</lastBuildDate>
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		<title>&#8220;If I Become Disabled, I&#8217;ll get Workers&#8217; Comp or Social Security Benefits&#8221;</title>
		<description><![CDATA[If I had a dollar for every potential disability insurance client I heard these words from, I would be a very wealthy man.  These words are further from the truth than you might believe.  Here are some sobering statistics:

The Council for Disability Awareness** (CDA), an association of 16 insurance companies that comprise 75% of the [...]]]></description>
		<link>http://www.protectyourincome.com/blog/if-i-become-disabled-ill-get-workers-comp-or-social-security-benefits/</link>
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		<title>Who is Your Agent/Broker Working For?</title>
		<description><![CDATA[If you ask this question of your agent or broker and the answer isn&#8217;t &#8220;YOU,&#8221; find someone else to work with.  Yes, a reputable disability agent/broker should represent the major disability insurance companies, but, as your representative, he/she should be working toward your best interests.
I was recently competing with another agent for someone&#8217;s business.  I [...]]]></description>
		<link>http://www.protectyourincome.com/blog/who-is-your-agentbroker-working-for/</link>
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		<title>Fourth of July &#8211; a Festive and Poentially Disabling Day</title>
		<description><![CDATA[Fourth of July, a day to celebrate our independence, a day of fun with family and friends, can often be marred by accidents involving fireworks.  I suppose, because of my role as a disability insurance broker, I watch with horror as many folks mishandle fireworks on this day.
According to a 2009 report issued by the [...]]]></description>
		<link>http://www.protectyourincome.com/blog/fourth-of-july-a-festive-and-poentially-disabling-day/</link>
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		<title>But I don&#8217;t Get in Accidents</title>
		<description><![CDATA[I have heard this phrase many times when broaching the subject of disability insurance with a client.  I always pull out a chart that shows the leading causes of disabilities.  My clients are always surprised to see that accidents are not at the top of the list of disability causes.  And, not surprisingly, the number [...]]]></description>
		<link>http://www.protectyourincome.com/blog/but-i-dont-get-in-accidents/</link>
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		<title>Economic Downturn and Disability Insurance</title>
		<description><![CDATA[In their recent survey of member companies, the Council for Disability Awareness (CDA) posted some interesting findings regarding the impact of the economic downturn on disability insurance.  Here are some of the findings from their survey:

$8.1 billion in long-term disability insurance claim payments was paid to disabled individuals by CDA Member companies in 2009, representing [...]]]></description>
		<link>http://www.protectyourincome.com/blog/economic-downturn-and-disability-insurance/</link>
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		<title>World Cup Fever</title>
		<description><![CDATA[I have to admit that I don&#8217;t get soccer.  I grew up on the East Coast of the U.S. and, when I was in school, soccer is &#8220;what all the other countries played.&#8221;  Now that I live on the West Coast, I am immersed in the melting pot of World Cup Fever.  In my gym, [...]]]></description>
		<link>http://www.protectyourincome.com/blog/world-cup-fever/</link>
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		<title>Depending on Social Security Disability Insurance?</title>
		<description><![CDATA[I have posted several times about the pitfalls of relying on our Social Security system for disability insurance.  I would like to tell you that it&#8217;s getting better, but I wouldn&#8217;t be telling the truth.
The recently-released 2010 CDA (Council for Disability Awareness) Long-Term Disability Claims Review suggests that, while applications for benefits rose 21.4% in [...]]]></description>
		<link>http://www.protectyourincome.com/blog/depending-on-social-security-disability-insurance/</link>
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		<title>Can you Afford to be Disabled?</title>
		<description><![CDATA[This is the question I ask my clients when I suggest they consider a disability insurance policy.  As most Americans can&#8217;t truly afford the cost of  long term disability, I already know the answer to the question.  The cold hard reality is that most people who work for a living would suffer extreme financial hardship [...]]]></description>
		<link>http://www.protectyourincome.com/blog/can-you-afford-to-be-disabled/</link>
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		<title>The Five Myths About Disability Insurance</title>
		<description><![CDATA[In recognition of Disability Insurance Awareness Month, Principal Life Insurance published this list:
Myth #1:  I can rely on my savings.
Fact:  Even if you save 10% of your salary, one year of disability could easily wipe out many years of savings.
Myth #2:  Social Security Benefits will take care of me.
Fact:  Just 35% of the 2.8 million [...]]]></description>
		<link>http://www.protectyourincome.com/blog/the-five-myths-about-disability-insurance/</link>
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		<title>Carpe DIAM</title>
		<description><![CDATA[Okay, so I used a little poetic license in the title, which I borrowed from the Latin phrase, &#8220;Carpe Diem.&#8221;  DIAM stands for Disability Insurance Awareness Month, which will be &#8220;celebrated&#8221; once again in May.  Life and Health Insurance  	Foundation for Education (LIFE) does a great job every year of  reminding us how important [...]]]></description>
		<link>http://www.protectyourincome.com/blog/carpe-diam/</link>
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