Insurance Solutions is a very strongly recommended workbook specifically designed for businesses with employees having chronic conditions or disabilities and is especially valuable for its importance as an effective financial planning and problem solving management tool. Insurance should cover all disability-related costs, but it's important to understand differences between insurance policies and benefits. Readers learn how to examine health, life, disability and care plans for long-term usefulness.

- nor the RIGHT COUNTRY! If, however, you are willing to do some serious work then this book will let you see beyond your employer benefits and anything else you may have and make sure you don't get "bit" by the "American system." It does assume that you would be willing to pay reasonable premiums. But, I completely disagree that it offers nothing to people already out on disability. The hospital indemnity strategy alone could be worth fortunes, and the sicker you are the better it would seem to work. It does have a lot of forms and worksheets, but if you are a serious planner this can only be helpful. I especially like the single worksheet where she summarizes all of the insurance coverages in one place in a "risk analysis" format. It is about time that somebody treat people with disabilities as if they weren't all poor or incapablem and I really like it that somebody is trying to do something for people with disabilities in the free markeplace rather than just telling us all to rely on the government for everything.

- most of us already know what insurance we have and what we need, without having to first compile the extensive amount of data requested in the first 120 pages of this workbook. Our problem is how to "afford" and "obtain" what we need if we are already on disability. And - if we are still employed - our problem is still, in many cases, how to "afford" the insurance we "need."

However, if you are still employed, do not know what insurance you need (or already posses), have lots of disposable income, *and* you have the endurance to complete the exhaustive worksheets and spreadsheets, then maybe this book is for you. If nothing else, it may give you some food for thought and may even provide you with a bit of information that you did not already know.

After the initial approximately 120 pages of worksheets and spreadsheets, the remaining 60 pages or so contain information and situations that are not always realistic, in my opinion. However, if you are still employed, you may find a few ideas that could possibly be helpful to you, depending on your personal circumstances.

Sorry to be the bearer of bad news, but I found this workbook to be totally useless to me, personally, as a person who is already on disability.

- save your money.