Disability insurance can replace your income if you’re injured or too sick to work, but not everyone needs it

Disability insurance can help replace lost income if you can’t work due to an injury or chronic illness. If you support a spouse or dependents and rely on a steady paycheck to pay regular bills or stay on track financially, then you probably need disability insurance. You may already have disability insurance through your employer — or perhaps you’re relying on Social Security to pick up the tab — but that’s probably not enough

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