Disability insurance is one of the most important ways your clients can maintain their financial freedom, but they often have misconceptions about it. Sharing these actual facts can unmask these common misconceptions about disability insurance in general. Myth #1: “I don’t need my own disability insurance. It’s part of my employer’s benefits package.” There are

Layering disability insurance is a very effective strategy to protect against income loss in the event of a disabling injury or sickness especially for high earning individuals and physicians and dentists. Executives earning top salaries and bonuses may come up short with long-term disability (LTD) at work. In fact, group long term disability plans actually