Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire. About 12% of the total US population is disabled. If you own a business you need disability insurance. If you have access to group disability through work you should buy into it. Disability policies offer broader coverage, typically “your own occupation” verses SSDI which defines disability as “any gainful occupation”. As a business owner, disability benefits can allow you to hire someone to do your job and keep your business and the stream of income.
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