My experience tells me 3 undeniable facts about disability.  Fact Number 1, It is Inevitable and Fact Number 2, you never will know how long, and the severity.  In the 3rd undeniable fact, which is generally not considered is the psychological changes that people go through when they do not have the ability to work.  Disability insurance replaces your income, but mostly what it buys you is hope. A disability policy staves off the collateral damage that follows a disability, some of which is financial but not all.

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