It’s hard to image anything positive stemming from the recession. But a tiny silver lining of the economic downturn was it forced Americans to think about financial protection — and today more employees of all ages understand the value of having disability insurance, says Kathy Plummer, Unum’s director of disability product development. “Employees know they want this coverage.”

And they need it. Three-fourths of employees don’t have enough savings to cover six months of expenses, according to a Bankrate.com survey.

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