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	<title><![CDATA[disability insurance Resources | BNET]]></title>
	<link><![CDATA[http://resources.bnet.com/topic/disability+insurance.html]]></link>
	<description><![CDATA[White papers, case studies, business articles, and blog posts relating to disability insurance]]></description>
	<s:counts start="0" returned="20" found="48" />
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	<item>
		<title><![CDATA[7 Insurance Myths That Can Cost You]]></title>
		<link><![CDATA[http://moneywatch.bnet.com/saving-money/article/7-insurance-myths-that-can-cost-you/346184/]]></link>
		<description><![CDATA[Think you?re covered? Maybe not. Read these insurance misconceptions and be sure you have the right protection.    	  1. My Job&#8217;s Disability Insurance Will Cover Me   	  You may believe that after an accident or illness your lost income will be covered through...]]></description>
		<s:doctype><![CDATA[Articles]]></s:doctype>
		<pubDate>Wed, 30 Sep 2009 00:00:00 -0700</pubDate>
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	<item>
		<title><![CDATA[Group Disability Supplemental Insurance Plans for Income Protection]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=976089]]></link>
		<description><![CDATA[Group disability insurance can be a great start to protecting your income. But it's just a start. Affordable supplemental insurance can plug the holes in a group policy to ensure you're assets are properly protected. Much has been said about the inadequacy of group disability insurance plans offered by employers....]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 16 Sep 2008 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/income.html"><![CDATA[Income]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[Disability Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/disability+insurance+update.html"><![CDATA[Disability Insurance Update]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
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	<item>
		<title><![CDATA[Insurance: How Much Disability Insurance Do You Need?]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=358991]]></link>
		<description><![CDATA[How much disability insurance do you need? This financial tool will help to get answer to this question. ]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Tue, 01 Jan 2008 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/financial.html"><![CDATA[Financial]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[Disability Insurance]]></category>
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		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
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	<item>
		<title><![CDATA[Disability Insurance]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=375690]]></link>
		<description><![CDATA[One of the most common causes of income loss is through a disability. While most disabilities cause only temporary loss of income, any income loss can be devastating if you are not financially prepared. This tool helps you determine how much disability insurance you may need to cover expenses during...]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Tue, 01 Jan 2008 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/income.html"><![CDATA[Income]]></category>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[Disability Insurance]]></category>
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		<title><![CDATA[Disability Insurance Calculator]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=385412]]></link>
		<description><![CDATA[This disability insurance calculator can help you to estimate how much disability insurance you might actually need. By examining your present income sources, as well as any potential disability income sources, the calculator can provide you with an approximation of any possible disability insurance gap. ]]></description>
		<s:doctype><![CDATA[Tools & templates]]></s:doctype>
		<pubDate>Tue, 01 Jan 2008 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/income.html"><![CDATA[Income]]></category>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[Disability Insurance]]></category>
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		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
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	<item>
		<title><![CDATA[MetLife Increases Monthly Income Replacement for Traditional Individual Disability Insurance Policies; New Underwriting Enhancements Bolster Issue and Participation Amounts]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_m0EIN/is_2006_July_18/ai_n26928495]]></link>
		<description><![CDATA[NEW YORK -- MetLife announced today higher traditional Individual Disability issue and participation limits to provide the largest possible monthly income replacement available for an individual due to a disability. MetLife's underwriting enhancements went into effect for most new individual disability income insurance policies this June.]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Tue, 18 Jul 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[disability insurance]]></category>
		<category domain="http://resources.bnet.com/topic/income.html"><![CDATA[income]]></category>
		<category domain="http://resources.bnet.com/topic/metlife+inc..html"><![CDATA[MetLife Inc.]]></category>
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		<category domain="http://rss.financialcontent.com/stocksymbol">MET</category>
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	</item>
	<item>
		<title><![CDATA[UnumProvident Retains Lead in Disability Insurance Marketplace]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_m0EIN/is_2006_May_23/ai_n26871659]]></link>
		<description><![CDATA[CHATTANOOGA, Tenn. -- UnumProvident continues to lead the disability income protection insurance marketplace, according to the 2005 JHA group and individual disability market surveys.]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Tue, 23 May 2006 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[disability insurance]]></category>
		<category domain="http://resources.bnet.com/topic/unumprovident.html"><![CDATA[UnumProvident]]></category>
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	</item>
	<item>
		<title><![CDATA[The Principal Financial Group Expands Worksite Offerings With Voluntary Disability; Group Voluntary Disability Insurance Provides Added Employee Income Protection]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_m0EIN/is_2006_March_13/ai_n16103846]]></link>
		<description><![CDATA[DES MOINES, Iowa -- Approximately one in three workers over the age of 30 will become disabled for at least three months at some point during their career,(1) making disability insurance one of the most important, but often overlooked employee benefits. Added to a growing suite of voluntary worksite products,...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 13 Mar 2006 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[disability insurance]]></category>
		<category domain="http://resources.bnet.com/topic/income.html"><![CDATA[income]]></category>
		<category domain="http://resources.bnet.com/topic/principal+financial+group.html"><![CDATA[Principal Financial Group]]></category>
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		<category domain="http://rss.financialcontent.com/stocksymbol">PFG</category>
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	</item>
	<item>
		<title><![CDATA[Screening Disability Insurance Applications]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=168511]]></link>
		<description><![CDATA[This paper investigates the effects of intensified screening of disability insurance benefit applications. A large-scale experiment was setup where in 2 of the 26 Dutch regions case workers of the disability insurance administration were instructed to screen applications more intense. The empirical results show that intense screening reduces long-term sickness...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Feb 2006 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[Disability Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/university+of+amsterdam.html"><![CDATA[University Of Amsterdam]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
		<category domain="http://resources.bnet.com/topic/payroll+solutions.html"><![CDATA[Payroll Solutions]]></category>
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	</item>
	<item>
		<title><![CDATA[CCIA Says Don't Overlook Disability Insurance, Risk Greater Than We Know]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_m0EIN/is_2005_Dec_27/ai_n15970138]]></link>
		<description><![CDATA[CHICAGO -- Consumers often overlook the possibility they will be disabled, a risk greater than we think, the Consumer Credit Insurance Association CCIA observed today, highlighting the value of disability insurance.]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Tue, 27 Dec 2005 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[disability insurance]]></category>
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	</item>
	<item>
		<title><![CDATA[MetLife Introduces New Disability Insurance Solution for Small Businesses; Flexible Plan Design Provides Customization, Enhanced Employee Benefit Options and Return-to-Work/Stay-at-Work Incentives]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_m0EIN/is_2005_Oct_17/ai_n15693720]]></link>
		<description><![CDATA[NEW YORK -- MetLife today announced a new and enhanced disability insurance product for smaller employers that provides increased plan flexibility and employee benefit options. The new contract provides employers with fewer than 500 employees the enriched features and options that many larger employers currently utilize in their disability and...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 17 Oct 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[disability insurance]]></category>
		<category domain="http://resources.bnet.com/topic/employee+benefit.html"><![CDATA[employee benefit]]></category>
		<category domain="http://resources.bnet.com/topic/metlife+inc..html"><![CDATA[MetLife Inc.]]></category>
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		<category domain="http://rss.financialcontent.com/stocksymbol">MET</category>
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	</item>
	<item>
		<title><![CDATA[UnumProvident Champions Innovative Solutions for Supplemental Disability Insurance Benefits]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=168393]]></link>
		<description><![CDATA[Key trends have moved supplemental disability insurance to the forefront of the employee benefits package. Employee-pay-all plans help manage the conflicting corporate challenge of pursuing cost-containment strategies and granting employees access to adequate coverage, as well as help fill gaps in core benefit offerings. They also enable employee populations to...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Tue, 11 Oct 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[Disability Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/unumprovident.html"><![CDATA[UnumProvident]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
		<category domain="http://resources.bnet.com/topic/payroll+solutions.html"><![CDATA[Payroll Solutions]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
	</item>
	<item>
		<title><![CDATA[UnumProvident Reaches Settlement with California Department of Insurance; 'Changing Landscape' May Impact Cost, Availability of Disability Insurance in State]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_m0EIN/is_2005_Oct_3/ai_n15657115]]></link>
		<description><![CDATA[CHATTANOOGA, Tenn. -- UnumProvident Corporation (NYSE: UNM) today announced that three of its insurance subsidiaries have entered into a settlement agreement with the California Department of Insurance, concluding a market conduct examination and investigation of the subsidiaries' disability claims handling practices. As part of the settlement, UnumProvident has agreed to...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Mon, 03 Oct 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[disability insurance]]></category>
		<category domain="http://resources.bnet.com/topic/settlement.html"><![CDATA[settlement]]></category>
		<category domain="http://resources.bnet.com/topic/unumprovident.html"><![CDATA[UnumProvident]]></category>
		<category domain="http://resources.bnet.com/topic/.html"><![CDATA[]]></category>
	</item>
	<item>
		<title><![CDATA[Disability Risk and the Value of Disability Insurance]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=151017]]></link>
		<description><![CDATA[The paper estimates consumers' valuation of disability insurance using a stochastic lifecycle framework in which disability is modeled as permanent, involuntary retirement. It bases the probabilities of work limiting disability on 25 years of data from the Current Population Survey and examines the changes in the disability gradient for different...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Thu, 01 Sep 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/national+bureau+of+economic+research.html"><![CDATA[National Bureau Of Economic Research]]></category>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[Disability Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/disability.html"><![CDATA[Disability]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
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		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
	</item>
	<item>
		<title><![CDATA[Social Security Reform: The Importance of Disability Insurance and Annuities in Individual Accounts]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=147732]]></link>
		<description><![CDATA[The current debate on reforming Social Security is focused almost exclusively on retiree benefits, and elected officials have generally said that disability benefits would be ôpreservedö or ôprotectedö under any reform plan that addresses the Social Security programÆs looming financial shortfall. However, in many cases when the Social Security Administration...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 01 Jul 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/annuity.html"><![CDATA[Annuity]]></category>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[Disability Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/social+security.html"><![CDATA[Social Security]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
		<category domain="http://resources.bnet.com/topic/operational+accounting.html"><![CDATA[Operational Accounting]]></category>
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		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[The Disability Dilemma]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=168391]]></link>
		<description><![CDATA[Companies are cutting back on disability insurance, just as the country is seeing a surprising jump in long-term illnesses and injuries. This paper overviews to protect oneself against this hidden threat to one's financial security. While the erosion of health benefits in the workplace has commanded attention for years, disability...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 01 Jul 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[Disability Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/smartmoney.html"><![CDATA[SmartMoney]]></category>
		<category domain="http://resources.bnet.com/topic/benefits.html"><![CDATA[Benefits]]></category>
		<category domain="http://resources.bnet.com/topic/payroll+solutions.html"><![CDATA[Payroll Solutions]]></category>
		<category domain="http://resources.bnet.com/topic/human+resources.html"><![CDATA[Human Resources]]></category>
	</item>
	<item>
		<title><![CDATA[UnumProvident ups disability cover.(Life)(Brief Article)]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_hb6493/is_200506/ai_n26303946]]></link>
		<description><![CDATA[UnumProvident has enhanced its critical illness and individual  short-term disability insurance products. The CI product's base  coverage pays benefits for heart attack, stroke, permanent paralysis,  kidney failure, organ transplant or ...  UnumProvident has enhanced its critical illness and individual  short-term disability insurance products. The CI...]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Wed, 01 Jun 2005 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/benefit.html"><![CDATA[benefit]]></category>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[disability insurance]]></category>
		<category domain="http://resources.bnet.com/topic/illness.html"><![CDATA[illness]]></category>
		<category domain="http://resources.bnet.com/topic/unumprovident.html"><![CDATA[UnumProvident]]></category>
		<category domain="http://resources.bnet.com/topic/.html"><![CDATA[]]></category>
	</item>
	<item>
		<title><![CDATA[Genetic Testing for Alzheimer's Disease and Its Impact on Insurance Purchasing Behavior]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=155208]]></link>
		<description><![CDATA[New genetic tests for adult-onset diseases raise concerns about possible adverse selection in insurance markets. To test for this behavior, this report reveals about 148 cognitively normal people participating in a randomized clinical trial of genetic testing for Alzheimer's disease for one year after risk assessment and Apolipoprotein E APOE...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Fri, 01 Apr 2005 00:00:00 -0800</pubDate>
		<category domain="http://resources.bnet.com/topic/alzheimer%2527s+disease.html"><![CDATA[Alzheimer's Disease]]></category>
		<category domain="http://resources.bnet.com/topic/project+hope.html"><![CDATA[Project HOPE]]></category>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[Disability Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/insurance.html"><![CDATA[Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/financial+planning.html"><![CDATA[Financial Planning]]></category>
		<category domain="http://resources.bnet.com/topic/business+operations.html"><![CDATA[Business Operations]]></category>
		<category domain="http://resources.bnet.com/topic/corporate+insurance.html"><![CDATA[Corporate Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/finance.html"><![CDATA[Finance]]></category>
	</item>
	<item>
		<title><![CDATA[The Principal Financial Group Offers New Association and Employer Disability Insurance Programs]]></title>
		<link><![CDATA[http://findarticles.com/p/articles/mi_m0EIN/is_2004_Sept_22/ai_n6213817]]></link>
		<description><![CDATA[DES MOINES, Iowa -- Programs Provide Discounted Coverage to Help Secure Members' and Employees' Financial Futures]]></description>
		<s:doctype><![CDATA[Research articles]]></s:doctype>
		<pubDate>Wed, 22 Sep 2004 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[disability insurance]]></category>
		<category domain="http://resources.bnet.com/topic/principal+financial+group.html"><![CDATA[Principal Financial Group]]></category>
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		<title><![CDATA[Designing Optimal Disability Insurance: A Case for Asset Testing]]></title>
		<link><![CDATA[http://jobfunctions.bnet.com/abstract.aspx?docid=128915]]></link>
		<description><![CDATA[The paper analyzes an implementation of an optimal disability insurance system as a competitive equilibrium with taxes. The paper shows that an asset-tested disability system in which a disability transfer is paid only if an agent has assets below specified maximum implements the optimum. The logic behind the result is...]]></description>
		<s:doctype><![CDATA[White papers]]></s:doctype>
		<pubDate>Wed, 01 Sep 2004 00:00:00 -0700</pubDate>
		<category domain="http://resources.bnet.com/topic/asset.html"><![CDATA[Asset]]></category>
		<category domain="http://resources.bnet.com/topic/agent.html"><![CDATA[Agent]]></category>
		<category domain="http://resources.bnet.com/topic/disability+insurance.html"><![CDATA[Disability Insurance]]></category>
		<category domain="http://resources.bnet.com/topic/disability.html"><![CDATA[Disability]]></category>
		<category domain="http://resources.bnet.com/topic/asset+management.html"><![CDATA[Asset Management]]></category>
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