Planning for a retirement marked by disability or chronic health conditions or situations such as family estrangement isn’t easy, but it’s something that must be done. (Photo: AP)

Okay, so you’ve been working for years, and let’s say you’ve been doing everything right: not carrying debt, saving diligently for retirement, living within your means.

And then disaster strikes: you’re diagnosed with a condition that pretty much ensures your final years will be filled with doctors, disability and deterioration.

Complete your profile to continue reading and get FREE access to, part of your ALM digital membership.

Your access to unlimited content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and events.
  • Access to other award-winning ALM websites including and

Already have an account?



Join BenefitsPRO

Don’t miss crucial news and insights you need to navigate the shifting employee benefits industry. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including and
  • Exclusive discounts on and ALM events.

Already have an account? Sign In Now
Join BenefitsPRO

Copyright © 2023 ALM Global, LLC. All Rights Reserved.