Many people plan for their future by investing money in the stock market, paying off their home and mapping out the travel and adventure they will experience in retirement. Yet, few people plan for the possibility of becoming disabled and unable to work. Studies show one in four of today’s 20-years-olds will become disabled before the age of 67, yet 70 percent of the private workforce has no long-term disability insurance and does not understand the disability benefits that are available to them through the Social Security Administration (SSA).

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