Personal disability insurance coverage is indispensable for all of us for times when we cannot work. Many companies provide a broad insurance coverage for employees but this is frequently short term or low coverage and often not really adequate. The cover is often up to 65% of your salary and is frequently for a restricted period. If you can, try to find coverage that lasts until you retire. If your employer offers cover take care that it is enough and that it will last long enough.
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