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Long-term disability insurance (LTD) is a strategy that protects an employee from loss of income in the event that he or she is unable to work due to illness, injury, or accident for a long period of time
Most people think disabilities are caused by accidents when, in reality, the majority of disabilities (3 out of 4 claims) are caused by illnesses rather than an injury
1/3 of 20 yr old workers today will become disabled before they hit retirement at age 67, according to the Social Security Administration
Group Employer plans typically only account for 60% of your net income and are usually capped at a fixed amount, no matter how much income you earn