Federal regulators, state regulators, insurance brokers, employers and insurance trade journal reporters are struggling to cope with the mountains of information about the looming Patient Protection and Affordable Care Act (PPACA) changes that are oozing out of the Internet.
The Life and Health Insurance Foundation for Education (LIFE) is trying to jump up above the PPACA mud flood and remind consumers, employers, and even regulators and insurance producers that, PPACA or no PPACA, workers still need to protect their ability to earn an income against the risk of disability.
When Nichols was 32, he suffered a water skiing accident that left him paralyzed from his neck to his toes.
Nichols used disability insurance to help finance six years of rehabilitation. He recovered so well that he now runs marathons.