More than a quarter of U.S. adults live with a disability, according to the Centers for Disease Control and Prevention (CDC).

One in four 20-year-old Americans will be disabled before they reach age 67, according to the Social Security Administration. This reality underscores the need for long-term disability insurance (LTDI ...

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Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...