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Ed McMahon is facing the foreclosure of his home because he fell and broke his neck more than a year ago and has been unable to work. 
Disability insurance could be more properly termed "income insurance". It is coverage that provides a monthly cash benefit when you can't work because of a covered injury or illness.
These could leave you paying a lot more for disability insurance or cause you to become ineligible altogether. 
Simple but often overlooked, this guideline can help you understand the options and find the disability coverage that fits your life and budget. 
