Under which circumstance would someone need disability insurance?

Under which circumstance would someone need disability insurance?

Under which circumstance would someone need disability insurance?

 

a) A person’s suitcase was stolen and valuables were lost.
b) A person has contracted the flu and needs a prescription.
c) A person was in a car accident and cannot work for several months.
d) A person’s house was seriously damaged during a natural disaster.

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