Why You Need Long-Term Disability Insurance

Vol. 16 No. 7


Reneé Leskiw is the executive director of the American Bar Endowment.

Long-term disability (LTD) insurance is designed to replace a portion of your monthly income if you become disabled and can no longer work. According to CDA Disability Divide proprietary research conducted in March 2010, 64 percent of wage earners believe they have a 2 percent or less chance of becoming disabled for three months or more during their working career. However, the Social Security Administration Fact Sheet from March 2011 reports that the actual odds today are 30 percent.

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