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Sleeping as You Get Older

As we get older, our sleep needs can change. It is understood that children and adolescents need more sleep than adults, but surprisingly, older adults may also need to get more sleep. It is recommended that seniors get at least seven hours of sleep, but some need up to nine hours per night. Unfortunately, many seniors struggle to get the sleep they need. Sleep disturbances can increase with age. Older adults often find it difficult to fall asleep, and they sleep less deeply. They also tend to wake up more during the night. Older adults also often find that they get sleepier earlier in the evening and if they do not shift their bedtime earlier, they can lose needed sleep time. Why do seniors have these common sleep problems? As you age, your body produces less melatonin, the sleep hormone. You can also become more sensitive to environmental disturbances-temperature, sounds, and light. Finally, seniors have more medical problems, which can lead to unsettled sleep patterns. Poor sleep ca

Do you need long-term disability insurance?

A long illness could derail even the best retirement plan. You may be a diligent saver, one who maxes out your 401(k) and IRA, but you probably haven't considered protecting your ability to earn money. Your earning power is more valuable than your savings or your stock portfolio. Not planning to protect it, even for a couple of years, would seriously alter your plans for the future. One in three employees age 25 to 65 will be out of work for three months or more because of an injury or illness, according to the Society of Actuaries. Accidents are not the main cause. About 90 percent of disability claims are for common illnesses and health conditions, such as back problems and cancer, according to a report by the Consumer Federation of America. Advisors quoted in Fortune recommend looking at your cash flow and your employment income and thinking about how well you would do if you couldn't work. Short-term disability insurance (sick leave) covers earnings for only a fe