Disability insurance helps protect your income if illness or injury prevents you from working. When choosing coverage, it’s important to understand the difference between short-term and long-term disability policies, how much income you may need to replace, and whether your employer already offers benefits. You should also review policy definitions, elimination periods, tax implications, benefit caps, and optional riders like cost-of-living adjustments or own-occupation coverage. A well-structured disability insurance plan can help protect your lifestyle, retirement savings, and long-term financial stability.
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