senior personal finance correspondent sharon epperson joins us with some answers on this sharon, it'sto see you. >> good to be here. >> i always wonder about this. i'm tempted. once in a while i buy it sometimes i don't. but when's it a good idea to have travel insurance? >> it really depends on your needs, where you're going and also how healthy you are ask yourself some key questions -- are you traveling outside the country? that usually means it's probably a big-ticket trip, so that's something to consider. is there a good chance that you're going to need to cancel maybe there are some relatives that are having health conditions back home and you want to make sure you're there for them or can you afford to lose the money you've paid for? that's probably a big one. those are things you need to consider >> if i decide i do want travel insurance, what should i look for in a plan? >> when looking at what some of the biggest claims are, we spoke with folks at square math, which is an online aggregator looking at different plans medical -- nearly a third of claims are for medical reasons

disability insurance to make sure you will still receive a paycheck senior personal finance expert sharon epperson joins us with more on this sharon, this is a good point if you need this, what are some of the most common forms of disability for those who aren't in the know. >> welsh i think it is one of the most common things that people have that they never think and plan for it saved my life when i had my brain aneurysm more than a quarter of people who are working today will be disabled at some point in their working career people start in their 20s. by 67, one in four will have some type of disability. but the tragic thing, about 51 million americans have no disability insurance coverage. and disabilities can range from short-term disability number one is pregnancy, believe it or not. a back or joint disorder something happens with your knee or hip how many workers go out and have these types of surgeries and you need something to cover your income while you're unable to work. so that is what disability insurance does it gives you that coverage for your income. >> how do i make sure that i'm

off student loan debtor start saving for the future senior personal finance correspondent sharon epperson finds some companies are trying to help new hires do both. the big payback is this week's cover story. >> reporter: recent grad is building technology that could some day save heart transplant patients >> each day is a new challenge it's a very dynamic, complex setting, but it is very rewarding. >> reporter: the 24-year-old biomedical engineer had three job offers coming out of grad school he chose this one at abbott, a global health care company, not for the salary or medical benefits but because it was the only one with a program that could help him save for retirement while paying off his student loans. >> it was the main lynchpin to why i accepted an offer. >> reporter: employees usually have to contribute part of their pay to their 401(k) plan in order to receive matching company funds. abbott's freedom to save program gets rid of that requirement as long as he uses 2% of his salary to pay off his student debt, abbott will make a 5% pretax contribution to his 401k even though he'

epperson is in pleasanton, california, for us tonight. >> reporter: recent grad javi rjavier is buildinghnology that could save patients. >> it is a complex setting but it is very rewarding. >> reporter: the 24-year-old biomedical eng had three job offers coming out of grad school. he chose this one atbo , a global health care company. not for the salary or medical benefits, but because it was the only one with a program that could help him save for retirement while paying off his student loans. >> it was the main linchpin to why i accepter. an offe >> reporter: employees usually have to contribute part of their pay to their 401(k) plan in order to receive matching company funds. abbott's freedom to save program gets rid of that requirement. as long as he used 2% of his salary to pay off his student debt, abbott will make a 5% pretax conibution to his 401(k), even though he's not putting in a dime. the money is fully invested in two yxers. abbotttive steve fusell says the program pays f itself. >> the cost to us is actually very minimal. there's actually afive-to-one pay back because of

today epperson along with her older sister harper threw out the first pitch and had a great day at theht there, the ice cream. look at that smile. this abc 7 sports report is sponsored by river rock casino. kd practiced today. there's a possibility he could play in game five. klay thompson says he'll be closer to 90%. as each day goes by, the warriors get healthyer and healthier. tomorrow game five do or die. >> won't there be an adjustment period, as well? >> there will. he will free up the shooters. he is in shape, he's not in game shape and hasn't played in a month. an adjustment for the raptors. they have to win. they don't want to come back to oracle. >> that's it for tonight. i'm eric thomas, abc7 news continues tomorrow morning at it's no ordinary day at denny's it's crepe day. a family tradition we started about twenty-two minutes ago. and from the looks of it, this tradition is going to last awhile. denny's has new crepes! see you at denny's. john h.: previously on "wipeout"... aah! john h.: ...this shocked, then this changed everything. hunh! wh-- aah! john h.: this won your