Description
My clients and potential clients sometimes ask me what disability insurance is, why they need it and why it is crucial. Disability insurance is a form of insurance that provides wage replacement and medical benefits to an insured person if they cannot perform their occupation due to sickness or injury. Becoming self-insured requires the accumulation of significant dollars that the business must set aside to pay for overhead expenses and salary replacement. This is particularly important in professions such as law, medicine, financial services, and real estate that have high overhead costs.
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