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You rely on your income to pay your bills: mortgage, rent, car payment, utilities, groceries, etc. You need your income to save money for retirement and future emergency situations.

If you get sick or hurt and become unable to work all your bills will continue to pour in, but there will be no income to offset these expenses.

Disability insurance replaces a portion of your income while you are unable to work.

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Q: Why do you need disability insurance?
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