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That’s why I often recommend looking into an individual disability insurance policy, especially for younger professionals with many earning years ahead.
We cover this topic in detail on Episode 39 of the Bogleheads Live podcast. 👇
jonluskin.com/bogleheads-liv...
We cover this topic in detail on Episode 39 of the Bogleheads Live podcast. 👇
jonluskin.com/bogleheads-liv...
November 19, 2025 at 2:32 PM
That’s why I often recommend looking into an individual disability insurance policy, especially for younger professionals with many earning years ahead.
We cover this topic in detail on Episode 39 of the Bogleheads Live podcast. 👇
jonluskin.com/bogleheads-liv...
We cover this topic in detail on Episode 39 of the Bogleheads Live podcast. 👇
jonluskin.com/bogleheads-liv...
Below is a snapshot from one such employer-provided policy. It only pays out for a lifetime disability under very specific conditions. That means many people might not be covered when they need it most.
November 19, 2025 at 2:32 PM
Below is a snapshot from one such employer-provided policy. It only pays out for a lifetime disability under very specific conditions. That means many people might not be covered when they need it most.
That’s a good start, but here’s the problem: these plans are provided for free for a reason: they’re cheap.
The fine print often limits coverage in ways that make it hard to collect benefits in a true worst-case scenario.
The fine print often limits coverage in ways that make it hard to collect benefits in a true worst-case scenario.
November 19, 2025 at 2:31 PM
That’s a good start, but here’s the problem: these plans are provided for free for a reason: they’re cheap.
The fine print often limits coverage in ways that make it hard to collect benefits in a true worst-case scenario.
The fine print often limits coverage in ways that make it hard to collect benefits in a true worst-case scenario.
That’s what disability insurance does; it protects your ability to earn an income. If you can’t work due to illness or injury, disability insurance can replace part of that lost income.
Many people already have a long-term disability policy through their workplace.
Many people already have a long-term disability policy through their workplace.
November 19, 2025 at 2:31 PM
That’s what disability insurance does; it protects your ability to earn an income. If you can’t work due to illness or injury, disability insurance can replace part of that lost income.
Many people already have a long-term disability policy through their workplace.
Many people already have a long-term disability policy through their workplace.
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