Twelve years ago Heather Lavallee learned the value of her own work when her father-in-law suffered a work-related accident, paralyzing him from the waist-down, To make matters worse, the contractor he worked for at the time did not provide disability or medical insurance.

"The financial impact, let alone the personal impact on my in-laws, was devastating," says Lavallee, president of Employee Benefits Distribution in ING's U.S. Insurance division. "When you see that first-hand and you realize people are dealing with catastrophic events, it hits you on an emotional level."

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