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	<title>New answer on: Is Long Term Disability Insurance Needed?</title>

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		<title>By: Peggy Mace</title>

		<link>https://www.insurancelibrary.com/disability-insurance/is-long-term-disability-insurance-needed</link>

		<dc:creator>Peggy Mace</dc:creator>

		<pubDate>Fri, 15 Aug 2014 13:35:47 +0000</pubDate>

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		<description><![CDATA[Long Term Disability Insurance is needed by most people because most people need their paychecks to maintain a desirable standard of living. Being laid off for over 3 months due to illness or injury can happen to anyone. Long Term Disability Insurance pays you a portion of your paycheck to get you through extended periods of disability.]]></description>

		

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		<title>By: Peggy Mace</title>

		<link>https://www.insurancelibrary.com/disability-insurance/is-long-term-disability-insurance-needed</link>

		<dc:creator>Peggy Mace</dc:creator>

		<pubDate>Sat, 25 May 2013 19:16:04 +0000</pubDate>

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		<description><![CDATA[Long Term Disability Insurance is needed for anyone whose income is essential to maintaining their home, business, or standard of living. Workers may have enough savings to carry them through a few months to years of being disabled, but there are usually also medical expenses involved that can rapidly deplete savings and investments. The chances of a woman being disabled at some point before retirement age are 1 on 3, and the chances of a man being disabled at some point before retirement are 1 in 4. So Long Term Disability Insurance is a valid need and more common than most people realize.]]></description>

		

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