Hey your money briefing listeners, this is J.R. Whelan.

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Now on to the show.

Here's your money briefing for show.

Here's your money briefing for Wednesday, November 8th.

I'm J. R. Whelan for the Wall Street Journal.

Toward the top of the list for people choosing next year's health benefits are

medical and dental plans but one area of coverage that's sometimes overlooked

is disability insurance. Disability insurance is definitely worst case scenario planning.

You are planning for the possibility that you will become disabled either due to an illness or an

injury or something else,

and you'll be unable to work for a period of time

and you'll need your income replaced.

We'll talk to Wall Street Journal Personal Finance

...