Long-Term Disability Insurance

Disability insurance replaces your income should you become unable to work. According to the Council for Disability Awareness there is just over a 1 in 4 chance that today's 20 year olds will become disabled before they retire. If you have a company policy you should pay special attention to the definition of disability, the coverage term, and other important features. If the company policy is not adequate you should consider obtaining a personal policy.