The risk of disability is significant and can strike at anytime.  Accidents and injuries happen.  Every year, one person in 105 dies; one home in 88 catches fire; one car in 70 has an accident; and one person in eight suffers disability.  Disability is a serious risk that can jeopardize your financial security and threaten the future of your practice.  

In addition, most group short and long term disability coverages only apply to base compensation and are fully taxed, leaving most people seriously underinsured.  Individual disability insurance can protect your income.  
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