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Disability insurance protects workers and their families against financial catastrophe by helping them meet daily expenses bills, mortgages and other expenses and maintain their standard of living. Disability insurance replaces a percentage of predisability income if an employee is unable to work due to illness or injury for a specified period of time.

If you earn the primary income in the family or are in a highly skilled or industry specific field, there is greater need for you to protect your family’s income that you have worked so hard to build.