Disability Insurance: Protecting Your Income When You Can’t Work

Disability insurance replaces part of your income if illness or injury prevents you from working, often for months or years. This episode explains short‑ vs. long‑term policies, elimination periods, own‑occupation vs. any‑occupation definitions, and why many people are underinsured despite having life insurance.

Learn practical steps: check your employer’s group plan for limits and caps, consider an individual policy to fill gaps, and buy while you’re young and healthy so your future earnings stay protected.

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