1. 0 POINTS
    David RacichPRO
    Fountain Hills, Arizona
    Protecting your paycheck is one of the most important items in defensive planning, so disability insurance is critical. If you can afford long term disability insurance you should shop around for the best price and buy it. If your budget is tight you may consider short term disability insurance.
    Answered on July 24, 2013
  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Individual Long Term Disability is the type of policy that is sold most often and is much more widely available than Individual Short Term Disability insurance. Long Term DI is also more reasonably priced than Short Term DI. Most people can weather a short time off work, but it is the long periods of time without income that take a huge toll on employees and their families. You need Long Term Disability Insurance.
    Answered on July 25, 2013
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