<div style="margin: 12px 0px; font-family: arial; color: #333333; background: #ffffff; border: solid 4px #e5e5e5; width: 100%; clear: left;"><div class="CM_CTB_Content_Wrap" style="margin: 0px; padding: 0px;background-color: #ffffff;"><div style="border-bottom: solid 1px #dcdcdc; white-space: nowrap; margin-bottom: 8px; background-color: #eeeeee ;background-image: url(http://clipmarks.com/images/source-bg.gif); background-repeat: repeat-x; height: 24px; line-height: 24px; vertical-align: middle; padding-bottom: 4px; color: #666666; font-size: 10px;" ><a href="http://clipmarks.com/clip-to-blog/" title="see clips that are hot right now"><img src="http://content.clipmarks.com/blog_embed/2e4eaf81-5d6d-4911-ac4b-b483aad4e270/9E51003D-708B-48C4-AE39-7C1AF78F65C0/" alt="" width="19" height="19" border="0" style="vertical-align: middle; margin: 0px 4px; display: inline; border: none; float:none;" /></a>clipped from <a title="http://www.bottomlinesecrets.com/hot_topics.html?aid=37971&l=2&sid=hottopo2" href="http://www.bottomlinesecrets.com/hot_topics.html?aid=37971&l=2&sid=hottopo2" style="font-size: 11px;">www.bottomlinesecrets.com</a></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.bottomlinesecrets.com/hot_topics.html?aid=37971&l=2&sid=hottopo2"><P class="subhead">Long-term Disability</P></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.bottomlinesecrets.com/hot_topics.html?aid=37971&l=2&sid=hottopo2"><P>Select a policy that pays full benefits if you're unable to work in your chosen profession. Buy enough either privately or combined with an employer's policy to replace 60% of your income. The policy should pay benefits for five years -- or better yet, up to full retirement age, when you will be eligible for Social Security as well as retirement benefits. </P></blockquote><div style="height: 2px; font-size: 2px; background: #dcdcdc; border-bottom: solid 1px #f5f5f5; margin: 2px 4px;"></div><blockquote style="text-align: left; padding: 0px 8px; margin: 4px 0px 8px 0px; background: transparent; border: none;" cite="http://www.bottomlinesecrets.com/hot_topics.html?aid=37971&l=2&sid=hottopo2"><DIV class="footnote"><STRONG><EM>Bottom Line/Personal </EM></STRONG>interviewed Paul J. Mauro, CLU, ChFC, managing partner of Legacy Financial Advisors, Inc., in Milford, Massachusetts. He has been advising clients on insurance and other financial planning needs for 31 years. <A target="_blank" href="http://www.123lpn.com/pmauro/">http://www.123lpn.com/pmauro/</A> </DIV></blockquote></div><div style="margin: 0px 6px 6px 4px;"><table style="font-size: 11px;border-spacing: 0px;padding: 0px;" cellpadding="0" cellspacing="0" width="100%"><tr><td style="background:transparent;border-width:0px;padding:0px;">&nbsp;</td><td align="right" style="background:transparent;border-width:0px;padding:0px;width:107px" width="107"><a href="http://clipmarks.com/share/9E51003D-708B-48C4-AE39-7C1AF78F65C0/blog/" title="blog or email this clip"><img src="http://content9.clipmarks.com/images/c2b-foot.png" border="0" alt="blog it" width="107" height="17" style="border-width:0px;padding:0px;margin:0px;" /></a></td></tr></table></div></div>

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