A disabling illness or injury can occur without notice, and statistics show that nearly one in five people will be sidelined for at least a year during their careers.1 States often require employers to provide short-term disability coverage, but many don’t extend coverage beyond a few weeks or month

The economy may be improving, but high unemployment and low inflation indicate that the Federal Reserve may keep interest rates low at least until 2012.1

It’s generally a good idea to keep three to six months of income in an emergency fund to help cover unexpected expenses or a sudden loss of incom

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