Finding the gaps in your health and disability coverage, and then filling them, may be one of the best ways to protect against financial disaster.
The costs of illness contributed to six out of 10 personal bankruptcies filed by Americans in 2007, according to a study published online by the American Journal of Medicine. Three-quarters of those affected had health insurance.
"It's perilous to assume that we are protected just because we have a health-insurance card in our wallet," says Karen Pollitz, a research professor at Georgetown University's Health Policy Institute.
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