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Disability Insurance 
Regardless of how much health insurance you have, an illness or accident leading to a qualified short-term or long-term disability creates many financial hardships. Lost income, non-covered medical expenses, and travel expenses are just a few examples of the type of unanticipated cost that accompanies a disability. Should you become sick or injured with the result that you cannot work, disability insurance provides you with a defined income stream to help defray the costs of your disability. Disability insurance is available both as an employer-sponsored benefit and on a private policy basis.
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