Disability Insurance·7 min read·
What Your Hudson Valley Employer's Disability Coverage Misses
Most salaried Hudson Valley professionals assume the long-term disability line in their benefits package has them covered. It usually replaces less than half of what the household actually runs on, because of base-only sizing, a monthly cap, a tax most people forget, and a definition that narrows after two years. Here is what the group policy really pays, and what an individual policy adds.
Written by Peter Guggisberg, Financial Services Representative with Vermont Financial Group of NY (a MassMutual general agency) and the advisor behind Noah's Ark Financial.
