Do I Really Need Disability Insurance? What Working Adults Should Understand

Disability insurance helps replace income if illness or injury prevents you from working. This article explains the difference between short-term and long-term disability insurance, how employer-sponsored disability plans work, and why many professionals may have hidden coverage gaps. Learn the difference between own occupation and any occupation coverage, common disability insurance mistakes, and how income protection fits into retirement planning. Greenbush Financial Group outlines the key financial planning considerations working adults should understand before relying solely on employer benefits.