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Disability insurance – how to figure out if it’s worthwhile

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Question: After reading several articles suggesting that I do so, I recently looked into purchasing disability insurance. They sure don’t give that stuff away! How do I evaluate whether it is really worth it?

Answer: I once worked with a 40-something engineer who was making the same evaluation.
As we began looking at the pros and cons of him acquiring such coverage, he muttered under his breath (talking to no one but himself), “Cost benefit analysis ...”

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