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    David RacichPRO
    Fountain Hills, Arizona
    Long Term Disability Insurance is a necessary part of defensive planning. Most Americans have less than 90 days in cash reserves. During your earning years, you may experience a disability event lasting an average of 30 months. Social Security disability benefits can help as can employer sponsored short term disability insurance. But bottom line this is paycheck protection and a cornerstone product you should have in your insurance portfolio.
     
    Answered on June 8, 2013
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