The financial strain of a critical illness may be reducing productivity in your company.

When employees miss work to take care of a spouse with a critical insurance, it's because they can't afford private nursing. Plus, financial problems increases absenteeism and further reduce productivity.

Consider these facts from a recent national poll conducted by the LA Times:

• 27% of respondents describe their personal finances as "shaky"
• 40% reported difficulty paying installment loans
• Households spent nearly $11 billion more than they earned in July, 2000
• The nation's savings rate further declined to negative 0.2%
• The average household owed nearly $7,000 on credit cards

Another leading researcher (Garman, head of the National Institute for Personal Finance Employee Education), reports that across all income levels, 15 to 25% of employees have financial problems that reduce their productivity.

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