Disability Insurance: Policy Information, Choices, Savings, and More

Disability insurance can replace a portion or all of your income if you become disabled and cannot perform your job. 

·    Will Social Security Pay if I Become Disabled? Yes, you can collect Social Security benefits if you become disabled but is very difficult. In order to collect Social Security benefits due to a disability, your disability must be severe enough to prevent you from doing any kind of work, not just your current job. In addition, the disability would need to be classified as permanent.

Maintain a Robust Credit Score

One factor in determining the premium of a personal auto policy or a New York homeowners policy has nothing to do with your driving record or claims history—it is your credit record. According to Conning and Company, an insurance research company, more than 90 percent of insurers use an insurance applicant's credit history—his or her insurance risk score—to slot him or her into a certain program.

The Next Generation IPhone

~ contributed by Sage Creamer, Social Media Intern

Nothing gets the rumor mill going like credible new details about the next gen iPhone. While the iPhone 5 isn't expected until 2012, the latest buzz is that one of the next iPhones will have a curved screen that is reminiscent of the iPod nano. Research says that users felt a curved screen enabled a more natural touch-interface experience. Some of the other rumors big and small like a purported augmented reality chipset that will be part of a future iPhone too. While there are no definitive facts confirmed by Apple regarding the iPhone 5, we still have the iphone 4 to fall back on.

Auto Insurance Company Rate Quote Comparison Worksheet

Looking for low-cost auto insurance Comparing auto insurance quotes and rates is one of the best ways to find low-cost auto insurance. This worksheet is designed to help you compare online auto insurance quotes and get recommended auto insurance coverages.

Don't Underestimate Your Exposure to Natural Catastrophes

Americans tend to be an optimistic bunch—which is typically a good quality to possess. A key exception, however, concerns our impressions that we are very unlikely to ever experience a devastating natural disaster. As you know, 2011 has already proven to be one of the very worst for natural catastrophes in decades. This reason alone should cause you to systematically consider your exposure to natural disasters and take sound action to mitigate these types of losses if one were to occur. Here are a few ideas for properly handling your exposure to natural disasters.