Many of us are financially prepared for death (life Ins.), but far fewer are prepared for a permanent disability. Statistics reveal some form of disability is far more likely than death for workers 55 and under. There are many options out there but it the devil’s in the details, employer or individual policy, waiting period, and the critically important occupation stipulation. For example, some policies would not pay if you lost the ability to be a CPA so long as you could be a greeter at Walmart. Yikes! A disability Insurance discussion with your agent or trusted financial provider is time well invested. Bear Sen$e MarkAlanGriffis.com
