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Disability Insurance is designed to take effect when an illness or disability makes it impossible for you to work for an extended period of time. Very often some amount of disability insurance is available through the workplace, but it is typically minimal, and it may make sense to look at additional or supplemental coverage.

The question is this: Would your savings and/or the disability benefits you receive through work be enough to cover your current living expenses? If you have any related concerns or questions, we would be pleased to review your situation and options with you.