Here’s the scenario:
You’ve been working diligently for the same employer, at the same job for years. You’ve given it your all. Countless hours of painstaking work. The job pays well. You have some great colleagues at work. And you have a benefits plan that you believe is fantastic. Part of that so-called benefits package is disability insurance, which, in theory, you’ve been told will cover your wages if for whatever reason you can’t return to work on account of injury, illness or disability. You know little about the disability plan because you’ve never had to use it before and you’ve never missed out on work for a prolonged period of time. Your past work attendance has been excellent. Your performance reviews are always top notch.
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