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	<title>AccuQuote Life Insurance Blog &#187; Disability and long term care insurance</title>
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	<description>AccuQuote blog is brought to you by AccuQuote.com, a leading provider in term life insurance for people across the U.S.  This blog is dedicated to providing you with valuable information from experts on the topics of insurance, financial planning and personal finance.</description>
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		<title>Don’t lose your insurance benefits if you lose your job</title>
		<link>http://blog.accuquote.com/2009/05/13/don%e2%80%99t-lose-your-insurance-benefits-if-you-lose-your-job/</link>
		<comments>http://blog.accuquote.com/2009/05/13/don%e2%80%99t-lose-your-insurance-benefits-if-you-lose-your-job/#comments</comments>
		<pubDate>Wed, 13 May 2009 17:00:11 +0000</pubDate>
		<dc:creator>Byron Udell</dc:creator>
				<category><![CDATA[Disability and long term care insurance]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Life Education]]></category>

		<guid isPermaLink="false">http://blog.accuquote.com/?p=1170441</guid>
		<description><![CDATA[If you lose your job, you may lose your insurance benefits too.  So what should you do? First, consider switching to a term life insurance policy. If you have a group life policy, you will most likely lose your coverage if you lose your job. A term life insurance policy is usually less expensive and [...]]]></description>
		<wfw:commentRss>http://blog.accuquote.com/2009/05/13/don%e2%80%99t-lose-your-insurance-benefits-if-you-lose-your-job/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>May is Disability Insurance Awareness Month</title>
		<link>http://blog.accuquote.com/2009/04/24/may-is-disability-insurance-awareness-month/</link>
		<comments>http://blog.accuquote.com/2009/04/24/may-is-disability-insurance-awareness-month/#comments</comments>
		<pubDate>Fri, 24 Apr 2009 17:00:04 +0000</pubDate>
		<dc:creator>Jonathan Zajicek</dc:creator>
				<category><![CDATA[AccuQuote News]]></category>
		<category><![CDATA[Disability and long term care insurance]]></category>

		<guid isPermaLink="false">http://blog.accuquote.com/?p=1170412</guid>
		<description><![CDATA[What&#8217;s the one most important thing you should insure?  I&#8217;ll give you a hint &#8211; it&#8217;s not term life insurance and it&#8217;s something we all take for granted.  What is it?  The ability to work.  That&#8217;s why disability insurance is VERY important.
May 1st marks the beginning of Disability Insurance Awareness Month (DIAM), which is organized [...]]]></description>
		<wfw:commentRss>http://blog.accuquote.com/2009/04/24/may-is-disability-insurance-awareness-month/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Do I need disability insurance in 2009?</title>
		<link>http://blog.accuquote.com/2009/01/09/do-i-need-disability-insurance-in-2009/</link>
		<comments>http://blog.accuquote.com/2009/01/09/do-i-need-disability-insurance-in-2009/#comments</comments>
		<pubDate>Fri, 09 Jan 2009 17:00:34 +0000</pubDate>
		<dc:creator>Byron Udell</dc:creator>
				<category><![CDATA[Disability and long term care insurance]]></category>

		<guid isPermaLink="false">http://blog.accuquote.com/?p=1170155</guid>
		<description><![CDATA[It&#8217;s a question that many people ask.  If you&#8217;re asking yourself this question in the new year, then consider this&#8230;
1. Nearly one out of every three workers over age 30 will suffer a disability lasting three months or longer at some point in their working career.
2. Nearly half of all home foreclosures are caused by [...]]]></description>
		<wfw:commentRss>http://blog.accuquote.com/2009/01/09/do-i-need-disability-insurance-in-2009/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Difference between short term and long term disability</title>
		<link>http://blog.accuquote.com/2008/12/09/difference-between-short-term-and-long-term-disability/</link>
		<comments>http://blog.accuquote.com/2008/12/09/difference-between-short-term-and-long-term-disability/#comments</comments>
		<pubDate>Tue, 09 Dec 2008 17:00:32 +0000</pubDate>
		<dc:creator>Byron Udell</dc:creator>
				<category><![CDATA[Disability and long term care insurance]]></category>

		<guid isPermaLink="false">http://blog.accuquote.com/?p=1170103</guid>
		<description><![CDATA[A lot of people don&#8217;t understand the difference between short term disability and long term disability. Here&#8217;s a quick explanation. If you have any questions about disability or term life insurance, feel free to post a comment and I&#8217;ll get back to you. Short term disability is insurance that helps provide partial income protection when [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Essential Insurance Needs in a Downturn Economy</title>
		<link>http://blog.accuquote.com/2008/08/27/essential-insurance-needs-in-a-downturn-economy/</link>
		<comments>http://blog.accuquote.com/2008/08/27/essential-insurance-needs-in-a-downturn-economy/#comments</comments>
		<pubDate>Wed, 27 Aug 2008 14:01:00 +0000</pubDate>
		<dc:creator>Valeria Weber</dc:creator>
				<category><![CDATA[Disability and long term care insurance]]></category>
		<category><![CDATA[Life Education]]></category>

		<guid isPermaLink="false">http://blog.accuquote.com/?p=199</guid>
		<description><![CDATA[In this time of economic strife, insurance is especially important, namely term life insurance. This type of insurance can be invaluable for families with little disposable income after a family member dies.
Most experts agree that when deciding on the terms of a term life policy, the value should be at least 10 times the amount [...]]]></description>
		<wfw:commentRss>http://blog.accuquote.com/2008/08/27/essential-insurance-needs-in-a-downturn-economy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>How Much Does it Cost to Cover Retiree Long-Term Care Insurance Costs</title>
		<link>http://blog.accuquote.com/2008/07/24/how-much-does-it-cost-to-cover-retiree-long-term-care-insurance-costs/</link>
		<comments>http://blog.accuquote.com/2008/07/24/how-much-does-it-cost-to-cover-retiree-long-term-care-insurance-costs/#comments</comments>
		<pubDate>Thu, 24 Jul 2008 14:43:21 +0000</pubDate>
		<dc:creator>Byron Udell</dc:creator>
				<category><![CDATA[Disability and long term care insurance]]></category>
		<category><![CDATA[Retirement Planning]]></category>

		<guid isPermaLink="false">http://blog.accuquote.com/?p=357</guid>
		<description><![CDATA[To help Americans better plan for their healthcare costs in retirement, Fidelity Investments estimates that a 65-year old couple in 2008 will need $85,000 to insure against long-term care expenses.
In just 10 years, approximately 50 million Americans will be over the age of 65. More than half of these individuals will require at least one [...]]]></description>
		<wfw:commentRss>http://blog.accuquote.com/2008/07/24/how-much-does-it-cost-to-cover-retiree-long-term-care-insurance-costs/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Medicare Misconceptions</title>
		<link>http://blog.accuquote.com/2008/06/25/medicare-misconceptions/</link>
		<comments>http://blog.accuquote.com/2008/06/25/medicare-misconceptions/#comments</comments>
		<pubDate>Wed, 25 Jun 2008 16:20:29 +0000</pubDate>
		<dc:creator>Byron Udell</dc:creator>
				<category><![CDATA[Disability and long term care insurance]]></category>
		<category><![CDATA[Health Insurance]]></category>

		<guid isPermaLink="false">http://blog.accuquote.com/?p=316</guid>
		<description><![CDATA[A lot of seniors have the idea that Medicare would cover their long term care expenses.  That actually isn&#8217;t the case.  In fact, Medicare does not pay for long term care and people may want to consider private insurance.
So what does Social Security and Medicare pay for? Medicare, a separate program run by the Centers [...]]]></description>
		<wfw:commentRss>http://blog.accuquote.com/2008/06/25/medicare-misconceptions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Many Baby Boomers Incorrectly Believe They Are Protected Against the Risk of Disability</title>
		<link>http://blog.accuquote.com/2008/06/05/many-baby-boomers-incorrectly-believe-they-are-protected-against-the-risk-of-disability/</link>
		<comments>http://blog.accuquote.com/2008/06/05/many-baby-boomers-incorrectly-believe-they-are-protected-against-the-risk-of-disability/#comments</comments>
		<pubDate>Thu, 05 Jun 2008 14:28:59 +0000</pubDate>
		<dc:creator>Byron Udell</dc:creator>
				<category><![CDATA[Disability and long term care insurance]]></category>

		<guid isPermaLink="false">http://blog.accuquote.com/?p=287</guid>
		<description><![CDATA[Many baby boomers incorrectly believe they have disability income protection, according to a new survey conducted by Harris Interactive(R) on behalf of America&#8217;s Health Insurance Plans (AHIP). Most say that disability insurance is important to protect their income, but nearly half say they do not have any disability income protection.
The survey assessed baby boomers&#8217; perceptions [...]]]></description>
		<wfw:commentRss>http://blog.accuquote.com/2008/06/05/many-baby-boomers-incorrectly-believe-they-are-protected-against-the-risk-of-disability/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Disability Insurance Awareness Month</title>
		<link>http://blog.accuquote.com/2008/05/21/disability-insurance-awareness-month/</link>
		<comments>http://blog.accuquote.com/2008/05/21/disability-insurance-awareness-month/#comments</comments>
		<pubDate>Wed, 21 May 2008 13:55:10 +0000</pubDate>
		<dc:creator>Byron Udell</dc:creator>
				<category><![CDATA[AccuQuote News]]></category>
		<category><![CDATA[Disability and long term care insurance]]></category>

		<guid isPermaLink="false">http://blog.accuquote.com/?p=264</guid>
		<description><![CDATA[May is Disability Insurance Awareness Month, which is coordinated by our friends at the Life and Health Insurance Foundation for Education (LIFE) in order to raise awareness among consumers of the need for adequate plans of Disability Insurance.
According to the LIFE Foundation, unless a person is extremely wealthy or virtually penniless, the income the person [...]]]></description>
		<wfw:commentRss>http://blog.accuquote.com/2008/05/21/disability-insurance-awareness-month/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>About Four In Ten Full-Time Workers Unprotected By Disability Insurance</title>
		<link>http://blog.accuquote.com/2008/05/16/about-four-in-ten-full-time-workers-unprotected-by-disability-insurance/</link>
		<comments>http://blog.accuquote.com/2008/05/16/about-four-in-ten-full-time-workers-unprotected-by-disability-insurance/#comments</comments>
		<pubDate>Fri, 16 May 2008 18:54:52 +0000</pubDate>
		<dc:creator>Byron Udell</dc:creator>
				<category><![CDATA[Disability and long term care insurance]]></category>

		<guid isPermaLink="false">http://blog.accuquote.com/?p=255</guid>
		<description><![CDATA[According to a study by Metlife, when asked to list their assets, many   people are likely to fail to include their ability to earn an income.

Only 58% of        full-time employees say they have disability income insurance        protection.  Nearly half [...]]]></description>
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		<slash:comments>0</slash:comments>
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