Disability Insurance Deep Dive – Post 2 – The Group LTD Gap and How to Close
In the first post of this series, we mapped the layers of income protection and noted a quiet problem: the higher your income, the smaller the share of it your group long-term disability (LTD) plan actually protects. This post takes that problem apart piece by piece explaining where the gap comes from, how large it…
Disability Insurance Deep Dive – Post 1 – Income Protection Types
The Building Blocks of Income Protection Most people insure the things their income pays for; the house, the cars, their health while leaving the income itself uninsured. Yet your ability to earn a paycheck is very likely the most valuable asset you own. A 40-year-old earning $200,000 who works another 25 years will earn $5…