When looking at employee plans, you'll pay more for additional insurance and benefits, so it may be cheaper to obtain these coverages outside of work, such as is often the case with life insurance. As it relates to long-term disability coverage, financial planner Kaleb Paddock suggests making sure it's "own occupation," meaning that it will pay in the event you are no longer able to perform your job.
Choose wisely when selecting employee health and benefit plans
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