Most short-term disability policies provide coverage ranging from three to 12 months.
Photo: Pipat wongsawang/Getty ImagesDon’t let the complexity of disability insurance keep you from buying it.
Disability insurance involves confusing paperwork and more than a little bit of math.
It is designed to soften the financial fallout for employees who can’t work for some time as a result of illness, injury or another qualifying condition.
For a regular fee, you get income back for a predetermined amount of time.
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