Try to buy disability coverage that pays if you cannot perform the job that you were educated or trained to do. This is called occupational, or “own-occ,” disability. It can get a little pricey, so you may only be able to get a couple of years’ worth of coverage. But that will give you enough time to transition into another line of work, go back to school, or get training in another field so you can get back to work. For example, I’m a radio guy. If I lost my voice due to an accident or illness, then I wouldn’t be able to do my radio show very well, would I? If I had two years of own-occ
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