If you are disabled or cannot work due to an injury or illness, disability insurance can replace lost income, crucial for protecting you and your family. A long-term disability could suspend or terminate your income for an extended period of time. It could force you to lose your job or your business. Disability income protection is an imperative part of your financial plan.

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Even for individuals who have some employer-paid coverage, it may not be enough to cover even your basic cost of living. You owe it to yourself and your family to protect them in the event that you lose your ability to earn a paycheck.