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On the Disabled List?

Save employees (and your business) a world of hurt with disability insurance.

By Jacquelyn Lynn Originally published Sep 1, 2004

Opinions expressed by Entrepreneur contributors are their own.

The average American worker has a 1 in 3 chance of becomingdisabled for 90 days or more during his or her working years. So itmakes sense to include disability insurance in your benefitspackage.

"With the majority of Americans living paycheck topaycheck, three months or more without pay may mean missingmortgage payments or struggling to keep food on the table,"says Richard Mucci, executive vice president of Simsbury,Connecticut-based Hartford Life Insurance. "The most importantasset people have is the ability to earn an income. It's animportant asset to protect."

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