In every family, no matter who you define as your family, what affects one family member affects all family members at different levels. For the small business owner your employees are a unique second family. Whatever affects your employee family affects your business day to day operations and your customer or sales retention. All of these are directly tied to your bottom line. Knowing how to protect your business cash flow from a catastrophic medical event for you or a key employee is a vital part of your ongoing operational plans that is too often ignored until a crisis occurs, and then it is too late to change your results. I have seen the real life results of those who planned for a medical emergency in advance and the tragic results of those who have not. This book is designed for families at any age or stage of life to enable you to understand and discuss difficult situations you may face some day. Perhaps you have already experienced personally how just one major medical crisis can impact three or more generations. I have. In this book you will learn what you need to know about various insurance product options and important legal documents before they are needed. This easy to read general reference tool was written without a lot of technical terms or the over use of abbreviated initials intentionally. Technical terms and jumbles of capital letters you don't recognize instantly are distracting. I avoided using them whenever possible for your benefit. This resource will guide you in many useful ways to customize a well thought out plan of action for your family before a medical crisis occurs. At the end of the book I have included a resource checklist for your convenience. You may want to take a moment to make notes there after reading each chapter.