Do I Need Long Term Disability Insurance?
Over the last few weeks, I’ve been carefully considering the above question. I’m twenty nine years old, in good health, with a wife and two young children at home. I don’t commute for work, either, vastly reducing my chance of a disabling accident. In other words, my chance for long-term disability is pretty small. How small? It’s a question that’s almost impossible to research. Almost all of the data out there on the topic was produced by the insurance companies themselves, meaning that I hav
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