Insurers, agents and brokers started the 11th annual Disability Insurance Awareness Month campaign today without much ceremony.

Organizers at Life Happens and the Council for Disability Awareness are doing their best to warn employers and consumers about the need for workers to insure their income while the insurance industry rides a policy rollercoaster.

The life and health insurers write that most U.S. disability insurance plans face the effects of prolonged low interest rates on their investment earnings and confusion in Washington about how major medical coverage will work in 2018.

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Allison Bell

Allison Bell, a senior reporter at ThinkAdvisor and BenefitsPRO, previously was an associate editor at National Underwriter Life & Health. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached through X at @Think_Allison.