Denied Insurance Claims Last month’s column focused on the need to protect one’s earnings with disability insurance during the income producing years; and long term care (LTC) coverage to protect one’s nest egg during the

Long Term Health Care Insurance In most age groups, the likelihood of disability ‐ being incapacitated due to illness or accident ‐ is greater than the likelihood of death.  For younger people, disability insurance, often provided by employers, is used