How Costly Gaps in Disability Insurance Coverage Can Be Avoided

A big mistake many professionals make with disability insurance coverage is that they take what is offered, and then buy and forget it. If they purchased it from one of the top insurers for disability insurance, they have probably been assured that they have the best possible protection with an “own occupation” definition of disability. If they work with a good agent, they’ve probably chosen a benefit amount sufficient to meet their personal income needs, and an elimination period that matches their ability to cover a short-term disability.

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