Insurers, agents and brokers started the 11thannual Disability Insurance AwarenessMonth campaign today without much ceremony.

Organizers at Life Happens and the Council for Disability Awareness are doingtheir best to warn employers and consumers about the need forworkers to insure their income while the insurance industry rides apolicy rollercoaster.

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