What Are the Different Types of Disability Insurance and How Do They Work?

Disability insurance overview with shield, wheelchair, and hourglass icons on a blue background

Losing the ability to work—even temporarily—can upend your income, your plans, and your sense of security. Disability insurance exists for that moment. It replaces a portion of your income so you can focus on recovery, not survival. But policies differ a lot. This guide explains the main types, how benefits actually get calculated and paid, … Read more

How to navigate the complexities of long-term care insurance

Family reviewing long-term care insurance options with an advisor at a kitchen table.

Aging has a way of turning someday into today. One fall, one diagnosis, one slow change in how easily you manage daily tasks—and suddenly the conversations you postponed become urgent. Long-term care insurance (LTCI) sits right in that uncomfortable space: technical, expensive, and full of jargon, yet deeply personal. The goal isn’t to scare you … Read more