Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

Long-term care insurance is an important financial planning tool that can help protect your assets and provide for your future care needs. This type of insurance is used to help cover the cost of long ...

As we age, the prospect of needing long-term care services becomes a significant concern. These types of services are designed to meet the health and personal care needs of those who can no longer ...

Do you have a financial plan if you're sidelined by illness or injury? According to the Social Security Administration, close to one in four 20-year-olds will face a disability that interferes with ...

A 20-something today has a one in four chance of becoming disabled before retirement, according to the Social Security Administration. While Social Security disability benefits can help, the average ...

Long-term disability insurance generally costs between 1% and 3% of your income, but it’s well worth the price. About one in four young people will miss a year or more of work before retirement age ...

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Welcome to Ask Lacey, an advice column in which accredited financial counselor and MilMo founder Lacey Langford answers your pressing financial questions. Have a question for Lacey? Submit it here. Q.