Manufacturing activity hits 26-year lowNew research shows the nation’s manufacturing activity fell in November to a 26-year low.
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</div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/471729175" height="1" width="1"/>Experts: Langford's indictment will hurt economic developmentBirmingham Mayor Larry Langford’s indictment on federal bribery charges could hamper the city’s economic development opportunities, industry experts say.
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</div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/471729176" height="1" width="1"/>It's official: U.S. in recessionThe U.S. economy has been in a recession for all of 2008, the National Bureau of Economic Research said Monday.
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</div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/471638285" height="1" width="1"/>Retailers score on Black FridayA leading retail association reported more than 172 million shoppers hit stores nationwide this weekend, spending an estimated $41 billion and causing retailers to breath a sigh of relief.
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</div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/471638287" height="1" width="1"/>Langford arrested on federal chargesBirmingham Mayor Larry Langford was arrested Monday on federal charges after several months of FBI investigations.
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</div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/471428661" height="1" width="1"/>Alamerica turns down fed bailout moneyBirmingham’s Alamerica Bank is the latest local financial institution to say no to the Troubled Assets Relief Program offered by the federal government.
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</div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/466572026" height="1" width="1"/>Hare Wynn Foundation connects troops with local familiesThe foundation of a local law firm said it will provide free video conference service to link troops in Iraq and Kuwait with family and friends in the Birmingham area.
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</div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/466549626" height="1" width="1"/>Chamber announces Entrepreneur of the Year finalistsThe Birmingham Regional Chamber of Commerce recently announced the finalists for its Entrepreneur of the Year Award.
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</div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/466407524" height="1" width="1"/>BioCryst named 29th fastest growing tech firmBioCryst Pharmaceuticals Inc. ranked 29th on a list of North America’s 500 fastest growing technology, media, telecommunications and life sciences companies.
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</div><img src="http://feeds.bizjournals.com/~r/bizj_birmingham/~4/466346884" height="1" width="1"/>RBC Bank swings to $103M lossRBC Bank swung to a loss in the third quarter as the bank faced a worsening loan portfolio and losses from securities. (RY)
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insurance might pay for your medical expenses, but you need something like disability to make your mortgage payments and pay your household expenses?
Disability Is The Answer
For most of us the answer is disability insurance, which provides income when an illness or injury makes it impossible to earn a living. Disability is the policy to have, whatever your age, to continue the income you need.
What Does Disability Do For Me?
While employers often provide short term disability, few companies offer long term disability unless there is a union contract. If you don't recover, or have your own disability contract, you will have to use your savings to survive.
Accordingly, it is in your best interests to protect your income and earnings with a personal disability policy.
How Much Disability Do You Need?
No company will insure you for your full income as generally the payments are not taxable. Another consideration is: if you have group disability from your employer, there may be a cap on how much you can get.
Some Additional Disability Benefits:
Escalator Rider - an benefit that annually increases the amount of your income .
Return-To-Work-Provision - a benefit of your disability policy that pays you a portion of your disability income if you can work part time.
There are numerous other disability riders which can be added, but which increase the overall cost of the policy. Employer group disability policies are not portable, which is the best, most simple reason to own personal disability insurance.
Article Source: Articles Beyond Better
Ivon T. Hughes of the Hughes Trustco Group is a licensed Broker. Author of The Life Handbook. Get a FREE Copy TODAY!Email:info@trustco.ca Web:www.hughestrustco.com
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