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Zero dependencies · Works offlineBetween ages 25-65, the probability of disability is ~3.5x higher than death. If illness or injury prevents you from working, income stops but expenses continue. Disability insurance is a critical financial safety net.
Typically 60-70%. Consider: after-tax benefit amount (premiums paid with after-tax dollars = tax-free benefits), spouse's income, and mandatory expense ratio.
Estimated at 1-3% of annual income (actual rates vary by age, occupation, health, and elimination period). High-risk occupations may cost more.