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I highly recommend those of you who are still working that you take out short and Long Term Disabiliy Insurance through your employer or independently! I did several years ago because I had a family. It's not that expensive and it "saved my neck' financially when I was diagnoised with multiple sclerosis and had to retire early. It will end next year when I reach 65 but it has given me a cusion to adjust for the last 5 years. A family person just cannot do without it!

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