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Whether you have your own business or work for an employer, protecting your income stream from an illness or injury that will prevent you from working should be a priority.
According to the Social Security Administration, more than 25% of 20-year-olds will experience some form of disability before they reach retirement.1 Whether it’s a ski trip gone wrong, an illness, or a necessary surgery like a knee replacement, disability insurance can help replace income while you recover.
Disability insurance is designed to pay out a portion of your income if you were unable to work due to illness or injury, and in this article, we break down how this coverage works and what you need to know about it.
You may have heard it referred to as income protection insurance or simply “DI,” but disability insurance is insurance against the risk of being unable to work.
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