"The experiences of these young men and women have highlighted the need for fundamental changes in care management and the disability system, " the report read.

NPR: Veterans React to Report on Care

Another 3% of the workers' pay is kept back to pay the management fees, which are regulated, and to finance a disability insurance fund for the system as a whole.

ECONOMIST: Time is working against state pensions

For example, if a professional firm has a large number of partners who potentially want to sell out at death, disability, divorce, or retirement, the firm can significantly improve cash flow management by pre-funding these buyouts through purchases of life insurance on the owners.

FORBES: From "Do-it-Yourself" retirement income planning to "Don't-do-it-Yourself" exit planning