The challenges faced by first responders in the medical, rescue, police, and military have never been greater. Each day that you report for duty, your personal well-being is placed on the line as you step up to fulfill your duty and help people. It is unfortunate that the contributions of first responders are very rarely recognized for the priceless gift that they really are.

In addition to the physical dangers faced on the job by first responders, there is a hidden danger that may impact the financial lives of many first responders whom society depends upon for its very well-being...