Jul. 1—Here is a breakdown of long-term care insurance basics. What is long-term care insurance? Private long-term care insurance helps pay for services that aren't covered by regular health insurance ...

If you have a physically demanding career, obtaining disability insurance could be a smart move to protect your income if you ...

Long-term disability insurance generally costs between 1% and 3% of your income, but it’s well worth the price. About one in four young people will miss a year or more of work before retirement age ...

Short-Term Disability Insurance (STD) replaces a portion of your pay if you cannot work due to an illness or injury. The STD plan pays a benefit to replace 66.67% of your pre-disability income.

Dear Savvy Senior: My husband and I have been thinking about getting a long-term care insurance policy, but we hate the idea of paying expensive monthly premiums for a policy we may never use. Is long ...