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The Motley Fool February 6, 2007 Dan Caplinger	Dealing With a Disability You hope it won't happen to you, but if it does, be prepared. Private insurance isn't the only way in which disabled people can obtain the means to support themselves.
Financial Planning September 1, 2005 M. Michael Babikian	A Delicate Balance For disabled clients, a special needs trust can maximize private sources of funding without jeopardizing public ones.
The Motley Fool July 8, 2004	Don't Forget Disability Insurance Disability insurance is expensive because there's a good chance you'll need it one day.
The Motley Fool May 23, 2006	Is Disability Insurance for You? Disability insurance is expensive for a reason -- there's a good chance you'll need it.
Financial Planning November 1, 2010 Jim Grote	Special Cases Minoti Rajput, CFP, president and principal advisor of Secure Planning Strategies in Southfield, Mich., maintains a general financial planning practice and a specialized practice for families of children with disabilities.
The Motley Fool August 3, 2004	Ruptured Appendix? Torn ACL? How good is your disability insurance policy?
Entrepreneur March 2008 Mark Henricks	More Than Able Need new hires? Tap into the motivated, loyal pool of disabled workers.
The Motley Fool September 14, 2005	You May Need Disability Insurance Disabilities usually happen to those who least expect them. Be prepared.
The Motley Fool November 28, 2005	Defining the Term "Disabled" Disability insurance is pricey because there's a good chance you'll need it. It is a dangerous thing to ignore.
Fast Company Neal Ungerleider	Study: Small Companies More Likely To Discriminate Against Disabled Job Applicants Researchers at two universities sent out hundreds of fake cover letters to employers and discovered that employers are still systematically discriminating against disabled job applicants.
The Motley Fool September 15, 2004	"Disabled" May Not Mean What You Think In the disability insurance field, the term can cover anything from broken legs to brain injuries.
The Motley Fool June 13, 2006 Dan Caplinger	A Trust for All Seasons: Special Needs Trusts These trusts can help provide for disabled dependents or relatives.
The Motley Fool June 28, 2006	"Disabled" May Not Mean What You Think Even pregnancy and recovery from it can qualify as disabilities in some insurance plans.
CFO July 1, 2006 Randy Myers	The Fine Art of Self-Protection Why buying your own disability coverage may be a smart move.
The Motley Fool October 25, 2004	Do You Need Disability Insurance? There's a good chance you'll become disabled for a while. Are you protected?
BusinessWeek January 17, 2005 Carol Marie Cropper	Keeping Your Job When You're Ill Federal laws provide sick workers with some protection, but you need to play your cards carefully.
American Family Physician November 1, 2001 Bruce A. Barron	Disability Certifications in Adult Workers: A Practical Approach Strategies that help the physician complete disability certification forms effectively...
Entrepreneur September 2004 Jacquelyn Lynn	On the Disabled List? The average American worker has a 1 in 3 chance of becoming disabled for 90 days or more during his or her working years. So it makes sense to include disability insurance in your benefits package.
Inc. June 1, 2003 Nadine Heintz	Disability's Deep Costs The soaring number of workers on permanent disability threatens to drive up payroll taxes.
The Motley Fool March 28, 2005	What Happens If You Can't Work? Know what to look for in disability insurance.
CFO September 1, 2008 Kate Plourd	Prepare to Be More Accommodating Big changes to the Americans with Disabilities Act could heap new costs on corporations starting this fall.
BusinessWeek February 21, 2005 Howard Gleckman	The New Face Of Medicaid Seniors and the disabled are pushing the program to the breaking point.
The Motley Fool January 22, 2007 Dan Caplinger	Understanding Medicare: Costs The deductibles and co-payments for Medicare Advantage Plans and prescription-drug plans can vary greatly between particular plans. A thorough examination of such plans is necessary for understanding the costs and to make a good decision about which plan to choose.
The Motley Fool December 24, 2007 Rich Duprey	Don't Let Social Security Disable Your Future With a growing backlog of disability claims, you may be waiting awhile if you rely on the government to protect you.
The Motley Fool October 16, 2006 Tim Beyers	Foolish Advice on Disability Insurance The odds that you'll be out of work for an extended period are greater than you think.
Financial Planning November 1, 2011 Donald Jay Korn	Barely Covered When the going gets tough, the tough cut costs. Clients worried about their finances may think about dumping big expenses that may seem to be a luxury, such as disability insurance. In this case, they would likely be wrong.
Job Journal December 18, 2005 Michael Kinsman	Career Pros: Does Injury Negate Job Offer? Questions about the job-search process and just how much protection an individual has during that process.
Managed Care August 2004	Headlines On Deadline ... Expanded Medicare coverage for obesity is the result of the government's removal of language from the Medicare manual that states that the condition is not an illness... Earnings soared 36 percent for UnitedHealth Group in the second quarter... etc.
Financial Planning December 1, 2010 Scott Schutte	Blindsided I wouldn't be the first to suggest that people with disabilities or special needs require a greater degree of attention-at least when it comes to financial planning for them and their families.
The Motley Fool November 10, 2005 David Braze	Who Pays for Long-Term Care? In the second of a six-part series, this installment covers what Medicare and Medicaid cover (and don't cover) for long-term care.
Financial Advisor June 2004 Jeff Schlegel	Special Needs Planning Requires Pioneering Spirit There isn't a lot of information out there to help financial professionals deal with the special needs of clients with disabled family members.
Registered Rep. January 2, 2013 Kevin McKinley	Mapping the Medicare Maze Advisors can shed some much-appreciated light on this crucial but confusing program.
Financial Planning July 1, 2006 Robert M. Hayes	Preserve Medicare Medicare is a roadmap for the future healthcare of America. It should be fine-tuned and improved, not undermined and privatized as the Washington power brokers are now attempting to do.
Financial Planning February 1, 2005 DeFrancesco & Flory	The Golden Years? As this country's baby boomers get closer to retirement, long-term care (LTC) will only grow in importance. Medicaid annuities may help clients preserve their assets, even if they're already in a nursing home.
Investment Advisor July 1, 2011 Marlene Y. Satter	Rx for Disability Your physician and dentist clients in search of coverage may be interested in a different definition of disability.
ifeminists April 13, 2005 Wendy McElroy	Disability Must Be Defined Before Debated The heart-wrenching death of Terri Schiavo has made the issue of disability a matter of debate. Two questions should lay the foundation for any deliberation: What does it mean to be disabled? And how should "normal" people react to those with disabilities?
The Motley Fool August 25, 2006 Roy Lewis	Disability Penalty Exceptions When is "disabled" not "disabled?" Tax Court rulings on qualified plan distributions have the answer.
Financial Planning November 1, 2011 Ed Slott	When a Disability Isn't Disabling The tax code generally assesses a 10% penalty on distributions from qualified plans, including IRAs, before age 59 1/2. But as many advisors and even many clients know, there are a number of exceptions to this rule.
Salon.com September 11, 2000 Jennifer Hanawald	Armless (and legless) in Japan A 22-year-old author born without limbs has taken his homeland by storm.
Financial Planning July 1, 2013 Ilana Polyak	Disability Insurance: Are You Protected? Advisors need to think about disability insurance coverage for both themselves and their clients.
The Motley Fool November 10, 2007 Elizabeth Brokamp	Protect Your Family When Disability Strikes The majority of Americans fail to secure disability insurance for themselves, something they are statistically likely to need. If you don't already have this coverage, read these guidelines and start looking.
Investment Advisor February 2010 Marlene Y. Satter	Insurance Update: Along for the Rider If your clients are looking for limited disability coverage without taking on a whole new policy, they could look at life insurance.
The Motley Fool April 1, 2004 Selena Maranjian	Prepare to Be Disabled Disability insurance is expensive -- because you stand a good chance of needing it. Disability insurance is in many ways more important than life insurance, yet it's overlooked by the vast majority of Americans.
Managed Care June 2001	Study Challenges Life Expectancy's Link To Disability Has the price of increased life expectancy been greater rates of people living with disability? A study published in the Proceedings of the National Academy of Sciences challenges this popular assumption...
Managed Care August 2002	24 States Hope Pharmacy Plus Helps Medicaid Twenty-four states may gamble that providing a prescription drug program to low-income elderly who do not qualify for Medicaid could save them money in the long run.
The Motley Fool January 22, 2007 Dan Caplinger	Understanding Medicare: Benefits Medical coverage for seniors is a big part of a strong retirement-protection plan.
Entrepreneur July 2003 Jacquelyn Lynn	Get With the Program! Save money with a new approach to managing disability benefits.
Financial Planning July 1, 2013 Martha White	Special Needs Clients: 'Retirement for 3' For families with a special-needs child, advisors must employ a variety of tactics.
Registered Rep. November 1, 2005 Lynn O'Shaughnessy	Medicare Drug Benefit 101 If financial advisers can understand the basics of the new Medicare drug benefit plan, they can provide a great service to their clients -- perhaps even save them money in premiums. Here's where to start.
The Motley Fool February 11, 2009 Dayana Yochim	Don't Let a Disability Turn Into a Financial Disaster A short-term disability that turns into a long-term one can seriously sideline your finances. Supplemental coverage can save your savings from a big hit.