Workers think more about insuring their homes or cars than they do about providing for their families after a death or disabling injury. The result is a workforce underinsured for both life and disability protection.

But employers can—and should—help, says Colonial Life & Accident Insurance Company.

"Families today are struggling to make ends meet," says Jeff Koll, Colonial Life's assistant vice president, life and disability products. "The death of a wage earner or an accident that puts the breadwinner out of work for a month or more can push many families into poverty. Basic life and disability insurance can help prevent that from happening. And it's usually very affordable when offered as part of a workplace benefits program."