Read this article from Healthcare Change to learn about a national voluntary insurance program which is managed by the Department of Health and Human Services and designed to help Americans who become disabled.

A witty someone once said, “Growing old is not for the feint of heart.” Nor is it sexy: collectively we spend millions battling the little indignities that accumulate as we age–crow’s feet, ballooning waistline, hair loss (and accumulation) in all the wrong places. But these tell-tale signs of age will no longer trouble us when the real problems inevitably set in. Sooner or later most of us will suffer serious physical and cognitive impairments that require the need for assistance with even the smallest of every day tasks, like getting out of bed or holding a fork. The need for long-term support services is also familiar territory for many younger people with disabilities and their families.

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