The Hartford’s annual consumer survey reports that 60% of full-time employees have someone else relying on their paycheck, be it a spouse, children, aging parents, or some other kind of financial dependent, emphasizing the need for income protection.

In addition, consumers are likely to turn to their spouses, co-workers and parents for help with benefits decisions – in part because those decisions can affect them, too, and in part because those are the people to whom they most relate. So the network of those affected by benefits decisions is also the network that helps make them.

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