During Recession Consumers Should Keep Insurance

IEVA M. AUGSTUMS

CHARLOTTE, N.C. (AP) — Barry Miller figured he was saving $100 a month when he scaled back his disability insurance. After all, he was healthy.

"It just looked like the policy was too expensive," said Miller, who was paying for his own disability insurance carried over from a previous job. "Sometimes you don't know what will happen."

What happened was this: In January, he was diagnosed with Bell's palsy, a condition that causes facial paralysis. Now, at 61, he has left his job as a sales manager for a girls' accessories company, and the Ridgewood, N.J., resident is out $3,000 a month in disability payments. ...