{"id":55,"date":"2014-11-07T21:23:59","date_gmt":"2014-11-07T21:23:59","guid":{"rendered":"http:\/\/www.swfsltd.com\/?p=55"},"modified":"2014-11-07T21:23:59","modified_gmt":"2014-11-07T21:23:59","slug":"is-disability-insurance-right-for-you","status":"publish","type":"post","link":"https:\/\/www.swfsltd.com\/?p=55","title":{"rendered":"Is Disability Insurance Right For You?"},"content":{"rendered":"<h3><a href=\"http:\/\/www.massmutual.com\/productssolutions\/individualsfamilies\/producttype\/disabilityincome\/diam\" target=\"_blank\">Is Disability Income Insurance Right for You?<\/a><\/h3>\n<p>To find out, here are some questions you should ask:<\/p>\n<ul class=\"ulText\">\n<li><strong>What are my necessary living expenses each month,<\/strong>\u00a0such as rent or mortgage, utilities, food, etc?<\/li>\n<li><strong>Can my personal savings cover my necessary living expenses?<\/strong>\u00a0And if so, for how long?<\/li>\n<li><strong>Does my employer offer long-term disability coverage,<\/strong>\u00a0and what does it cover?<\/li>\n<li><strong>What other sources of income might be available to me<\/strong>\u00a0if I could not work and earn an income?<\/li>\n<li><strong>What would happen to my retirement contributions<\/strong>\u00a0if I was unable to work?<\/li>\n<\/ul>\n<h3>Preparing for the Unexpected<\/h3>\n<p><a style=\"color: #106fcf;\" href=\"http:\/\/www.massmutual.com\/productssolutions\/individualsfamilies\/producttype\/disabilityincome\">Disability income insurance<\/a>\u00a0helps you make ends meet until you&#8217;re able to return to work. Why risk losing the lifestyle you&#8217;ve worked so hard to create? To help you assess if the income protection you have in place is adequate, see what may happen if you were too sick or hurt to work.<\/p>\n<ul>\n<li><a title=\"Income Gap Calculator\" href=\"http:\/\/www.halfapaycheck.com\/calculators\/income-gap.html\" target=\"_blank\">Income Gap Calculator<\/a><\/li>\n<\/ul>\n<ul>\n<li><a style=\"font-weight: bold; color: #106fcf;\" href=\"http:\/\/www.halfapaycheck.com\/\" target=\"_blank\">HalfAPaycheck.com<\/a><\/li>\n<\/ul>\n<ul>\n<li><a style=\"font-weight: bold; color: #106fcf;\" href=\"http:\/\/www.massmutual.com\/efiles\/di\/pdfs\/di2622.pdf\" target=\"_blank\">Understanding the Disability Income Insurance &#8220;Gap&#8221; (PDF)<\/a><\/li>\n<\/ul>\n<h3>Additional Resources<\/h3>\n<ul>\n<li><a style=\"font-weight: bold; color: #106fcf;\" href=\"http:\/\/www.disabilitycanhappen.org\/\" target=\"_blank\">Council for Disability Awareness<\/a><\/li>\n<\/ul>\n<h3><\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Is Disability Income Insurance Right for You? To find out, here are some questions you should ask: What are my necessary living expenses each month,\u00a0such as rent or mortgage, utilities, food, etc? Can my personal savings cover my necessary living expenses?\u00a0And if so, for how long? Does my employer offer long-term disability coverage,\u00a0and what does [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[2],"tags":[],"_links":{"self":[{"href":"https:\/\/www.swfsltd.com\/index.php?rest_route=\/wp\/v2\/posts\/55"}],"collection":[{"href":"https:\/\/www.swfsltd.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.swfsltd.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.swfsltd.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.swfsltd.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=55"}],"version-history":[{"count":2,"href":"https:\/\/www.swfsltd.com\/index.php?rest_route=\/wp\/v2\/posts\/55\/revisions"}],"predecessor-version":[{"id":57,"href":"https:\/\/www.swfsltd.com\/index.php?rest_route=\/wp\/v2\/posts\/55\/revisions\/57"}],"wp:attachment":[{"href":"https:\/\/www.swfsltd.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=55"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.swfsltd.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=55"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.swfsltd.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=55"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}