Disability insurance is more important than life insurance — here's why
You're far more likely to be disabled than to die during your working years.
A 35-year-old has about a 1-in-4 chance of becoming disabled for 90+ days before retirement, and only about a 1-in-9 chance of dying. Yet most working professionals have life insurance and no disability coverage.
What to look for: own-occupation definition (pays if you can't do your specific job — not just any job). Non-cancelable, guaranteed-renewable. Benefit period to age 65. 60–70% income replacement. Residual benefit rider for partial disability.
Group long-term disability through work is a start but is usually capped low and is taxable. A private supplemental policy fills the gap.
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