You've heard of disability insurance, right? I mean what benefits manager worth his or her employee handbook hasn't, right? You sit down with your employees and go over the basics at least once a year, right?

So why haven't your employees? In a joint Consumer Federation of American and Unum survey of roughly 1,200 workers, the news isn't good. Only 13 percent of employees say they know "a lot" about disability. Worse still, less than half of those who actually pay premium on a policy they own even know either how much they're paying or what they're paying for.

But the lack of education certainly doesn't stop there. Misconceptions abound over disability insurance, and what would drive employees to need it. By a two-to-one margin, most people assume injuries spark more disability claims than illnesses when it's actually the other way around.

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