Professionals and Your Long Term Disability Policy

Introduction

Forty percent of Americans age 45 to 65 will suffer a disability that lasts ninety days during their working career, according to the Health Insurance Association of America. Even if you are young and healthy, you may become disabled as a result of an injury or disease through no fault of your own.

Without coverage, an unexpected disability can leave you without income and may even lead to the filing of bankruptcy. Even having a disability policy can leave you in a disastrous financial situation if you haven’t provided appropriate protection to avoid serious debt if you become disabled.