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You may already have some disability coverage through your employer, but it may not be enough. Benefits provided by employers typically cover only 50 percent of your income up to a certain monthly maximum (which may be less than 50 percent for highly compensated employees). And since benefits from group plans generally are taxable, there’s less money available for paying your bills.
There’s always Social Security disability, you may be thinking. Think again. Social Security disability replaces only a limited portion of your salary, and it’s very difficult to qualify. Generally speaking, you must have been disabled for at least five months, with a disability that is expected to last at least 12 months or end in death. Additionally, you must be unable to be gainfully employed in any occupation, not just the occupation you worked in at the time your disability began.