What is it?
Most people believe that they are adequately insured against disability because they think they have coverage through their employer or through the government. That’s probably why 80 percent of Americans don’t own private disability income insurance coverage. However, assuming that you’re covered against disability through your employer or through the government is a mistake. Although 50 percent of employers cover short-term disability, only 40 percent cover long-term disability. Government programs, such as Social Security and workers’ compensation, may pay you benefits, but you qualify for benefits only if you meet a strict definition of disability.

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