Short Term Disability What You Need Versus What Your Employer Offers When it comes to discussions of disability insurance, the area most focused on is long-term disability.  This is generally because people assume that any sort of short-term disability would be easier to ride out financially, and that they already have coverage for this…

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Some companies offer group life insurance, a few at no cost to the employee and several with a small cost.  With some group life insurance plans they are guarantee issue (G.I.) which means there is no health underwriting to qualify.  Most often companies will base the amount of life insurance you are eligible for on…

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