Disability insurance isn't a topic that comes up often in daily conversations (or even many financial ones). After all, none of us plan on becoming ill or injured to the extent we can no longer work.

More than a quarter of U.S. adults live with a disability, according to the Centers for Disease Control and Prevention (CDC).

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Millions of Americans are unable to work each year because of illnesses or injuries. While you hope you are never a part of that statistic, you should review your insurance coverage to make sure you ...