If you become disabled and are unable to work, you'll be in a financial pickle if you don't have a source of replacement income to help make ends meet. That need becomes even more pronounced when other people become dependent on your income like, say, your new spouse or newborn child. A less obvious example might be if an elderly parent becomes dependent on your income. So every time there's a change in your family situation, either in your immediate or your extended family, make sure you take a minute to carefully consider whether that change should trigger a reevaluation of your disability income insurance needs.
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