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Bisability insurance provides you with an income should you become sick or injured and unable to work. It helps protect against family financial catastrophe by giving you an income to meet daily expenses.

Disability insurance comes in two major forms:

• A variety of employer-paid and government-sponsored programs, generally cost-free to the recipient, covering certain categories of workers.

• Private policies (paid for by individuals) that protect income when there are no applicable employer or government programs or when those programs do not adequately meet income needs.

Disability coverage can last for different lengths of more...