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You have a one-in-three chance of being injured or dying before the age of 65 while you work. This is a good reason to get disability insurance, even if it isn't true. However, disability insurance is very important in the event of an accident. Everybody doesn't have to buy a lot of insurance. It's important to know the difference between them for a number of reasons, one of which is: According to our study, most people didn't know that disability insurance plans existed. When faced with an incomprehensible number of words, many people just say, "I give up!
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