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Catherine Righton

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Catherine Righton is a life insurance specialist and personal finance writer with extensive experience creating educational content for individuals and families. She simplifies complex insurance topics into easy-to-understand guides, helping readers compare life insurance options, understand policy benefits, and make informed financial decisions to protect their loved ones.
Disability Insurance

The Gig Worker’s Safety Net: Disability Insurance for Freelancers and Sole Proprietors

Catherine Righton -
Quick Takeaway When you're self-employed, your ability to work may be one of your most valuable financial assets. A salaried employee may receive employer-sponsored: Sick leave +...
Disability Insurance

The Rise of Behavioral Health Riders: Protecting Your Mind and Your Income

Catherine Righton -
Quick Takeaway Mental-health conditions can have a serious effect on a person's ability to earn an income, yet disability policies don't necessarily treat mental-health-related claims...
Disability Insurance

Invisible But Real: Navigating Autoimmune and Chronic Pain Claims in 2026

Catherine Righton -
Quick Takeaway A disability doesn't have to be visible to interfere seriously with someone's ability to work. Conditions involving chronic pain, fatigue, inflammation or autoimmune disease...
Disability Insurance

Burnout as a Disability: Can You Claim Benefits for Work-Related Stress?

Catherine Righton -
Quick Takeaway Feeling burned out at work does not automatically qualify you for disability insurance benefits. That distinction is important. The EEOC explains that ordinary stress caused...
Disability Insurance

Mental Health & Disability Insurance: What’s Covered in 2026?

Catherine Righton -
Quick Takeaway Yes—mental health conditions can potentially qualify for disability benefits, but having a diagnosis does not automatically mean an insurance claim will be approved. For...
Disability Insurance

Mental Health & “Invisible” Disabilities: The 2026 Frontier of Income Protection

Catherine Righton -
Quick Takeaway Not every disability is visible. A worker may look physically healthy while dealing with a condition that seriously affects their ability to: concentrate, communicate, remember,...
Disability Insurance

Is Group Disability Enough? Why Your Employer’s Plan Might Leave a 40% Income Gap

Catherine Righton -
Quick Takeaway Your employer tells you: “You have long-term disability insurance.” That sounds reassuring. But there's an important question: How much of your income would actually be replaced if...
Disability Insurance

Disability Insurance 101: A Guide for the 2026 American Workforce

Catherine Righton -
Quick Takeaway Most workers insure their: car + home + health. But there's another asset that can be even more important: your ability to earn a paycheck. Disability insurance...
Disability Insurance

Own-Occupation vs. Any-Occupation: The One Clause That Determines Your Payout

Catherine Righton -
Quick Takeaway When comparing disability insurance, it's easy to focus on: Premium + monthly benefit + waiting period + benefit duration. But one provision can be even...
Disability Insurance

The “Elimination Period” Explained: Why Your Waiting Period Matters More Than You Think

Catherine Righton -
Quick Takeaway When comparing disability insurance, most people immediately look at: Monthly benefit + benefit period + premium. But another number can have a major impact on...
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