As an attorney, dedicated to representing disabled professionals with individual disability insurance (IDI) and long-term disability (LTD) insurance matters, I am often in the unenviable position of informing clients of the deficiencies in their coverage. Such was the case during a recent consultation with a civil litigation attorney who was forced to cease practicing due to a neurological disorder affecting his executive and cognitive function.

This attorney was part of a large litigation firm that provides its attorneys with an employer sponsored LTD plan as part of its benefits package. While my client had been approached by financial advisers over the years, seeking to sell him IDI products with true “own-occupation” coverage and a set monthly benefit, he declined to pursue such coverage and placed his financial security in his firm’s sponsored LTD plan.

Why Is Disability Insurance Important?

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