“Most people think something catastrophic needs to happen in order to take advantage of disability insurance, but the reality is that catastrophes are really a minority of all disabilities. Relatively common occurrences such as back problems or even carpal tunnel syndrome are more common,” says Botcher. “And, unfortunately, we all know someone who has had cancer, which is one of the leading causes of disability.”
The takeaway? Most people can benefit from the protection provided by disability insurance. “We insure our cars and our homes against unforeseen events. Why not our income?”
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