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    David RacichPRO
    Fountain Hills, Arizona
    Disability insurance is fundamentally paycheck protection. Most American workers have 90 days of case reserves on hand. The average disability period is 31 months. Protecting income is with long term disability insurance is only second to long term life insurance. If you can legally deduct the premium as a business expense you could insure up to 80% of your annual compensation. But keep in mind that benefits would be taxable as ordinary income.
     
    Answered on July 6, 2013
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