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• Save money on Insurance NOW!

• Many workers have no long-term disability coverage or say it's inadequate. Forty percent of workers have no long-term disability coverage, and 41 percent of those who do consider their coverage inadequate, a survey shows.

• Will a disability leave you financially disabled? The most important financial asset for many people isn't a house, car, or even investment portfolio. It's earning power.Yet while most individuals will protect themselves from the loss of personal property, few consider the consequences of losing the ability to earn a living.

• Tips for shopping for disability insurance. When shopping for disability insurance keep in mind:

• Do boomers need long-term care insurance? Experts disagree. Aside from being a smoker, Kathy Posner had no known health concerns when an insurance agent persuaded her to buy a long-term care policy at age 49 as a hedge against unexpected disabilities that might land her in a nursing home prematurely.

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