Many working adults are so busy working and raising families that the company they work for sometimes becomes a source of education. A source of education about retirement and financial planning and insurance. The time for open enrollment in companies is just around the corner at the end of the year. This year, take the time to sit down with your human resources professional to understand the benefits available to you rather than just checking the same box again. There may be additional benefits that you should consider, disability, accident, long term care insurance. Sure, no one wants to give more money to the insurance company, but it sure comes in handy when something happens and you actually need care. Interestingly enough a recent survey by one insurance carrier stated that one of the next up and coming voluntary insurance benefits wanted by employees is pet insurance. After all, pets are just like family members for some families and have replaced children in others.