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Individual Disability Insurance
Disability coverage replaces a portion of your salary if you become disabled and cannot work. Without it, you may have to spend your retirement savings, college funds, and other assets for everyday living expenses. A variety of unexpected medical problems can leave you unable to go to work for a period of time. If this happened to you, how would you pay your bills and support your family?

Review the sources of income available to you if you should become disabled.
Check the disability provisions in your employee benefits plan. Is this coverage adequate?
Build an emergency cash fund that can cover living expenses for at least six months.
The Importance of Disability Insurance
Your chances of suffering a disability are greatest during your working years?significantly greater, in fact, than your risk of a premature death. According to a 2002 report by the Disability Insurance Resource Center, a 42-year-old has an almost 4 to 1 chance of becoming disabled for at least 90 days. Can you afford not to have an income for three to six months?or more?

Get the Facts
Disability insurance varies widely based on the issuer and the state in which you live. Be sure to speak to a licensed financial professional who can explain the policy thoroughly, including:

Costs
Benefits
Exclusions
Special features, such as basic hospital, basic medical, or major medical insurance as defined by your state insurance department
The effect of Medicare on benefits, if any

Find a financial professional in your area.

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