Make no mistake how important disability insurance is. We have written about the importance of disability insurance ad nauseam. Recall that disability insurance pays YOU a benefit in case you can’t work due to a disabling condition. That disability benefit is based on the income you have made. Sometimes, though, a disability insurance carrier will exclude the income you have made. It’s true! What if you use the wrong income amount? Or, what happens if your income increases? Additionally, what if you have several sources of income? What do you do? In this article, we discuss using the right income for disability insurance. This is an extremely important topic as your income is the basis for your monthly disability amount.

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As an acupuncturist, relief is your middle name. You enjoy the challenge of helping your clients manage their pain and other health conditions. Moreover, you particularly enjoy how unique your job is!  No day is the same. You rely on your education and experience as well as your physical ability to get the job done. What if you could no longer do your job? Have you ever thought what would happen if you became sick, ill, injured, and disabled? How would you pay your bills if you could not work? Disability quickly affects your future plans and the lifestyle you worked so hard for. In this article, we discuss disability insurance and the best disability insurance for acupuncturists.

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A short-term disability insurance plan pays a percentage of your income in case you are disabled and can’t work. The chance of a disability is real. Many industry sources state that the chance of disability is 1 in 4 working adults. Moreover, this probability is greater than unexpected death. While the need for disability insurance is always present, one must consider costs, especially with short-term disability insurance. In this article we discuss the feasibility, costs, and benefits with a focus on short-term disability insurance costs. We also touch upon short-term disability insurance and pregnancy, with discussion around related costs.

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As a personal trainer, you meet with clients every day. You enjoy your job, helping your clients attain a healthy lifestyle and meet their goals. However, you absolutely need to protect yourself from a legal standpoint. Accidents happen. Clients unfortunately sue. The list goes on and on. Personal trainer insurance is incredibly important. However, there is one type of insurance that, after liability insurance, is equally important. I can guarantee you don’t have it. In this article, we discuss the most important personal trainer insurance you don’t have.

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We have said this before: disabilities do not discriminate. They affect the young, the old, the rich, the poor, the executive, and the construction laborer. The same for tattoo artists as well. You love your job, right? Have you ever thought, if the paycheck you just received was the last one for a year, what would you do? How would you pay your bills? Seriously? And, if you own your Tattoo business, what would happen to it? Honestly, if you went without income protection, you probably would have to close it down. In this article, we discuss disability insurance for tattoo artists. We first discuss disability insurance basics followed by the available disability insurance plans for tattoo artists.

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