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What should I consider when purchasing a disability policy as a self-employed business owner?

Disability Benefits - Question 146
The coverage you consider necessary to maintain your lifestyle in the event of a disabling condition that prevents you from working is key. Other factors include an understanding of the claims process. Consider whether you will have to prove your earnings or income before becoming disabled. This could be important to discuss with your accountant so that you do not structure your finances in a way that makes it impossible for you to qualify for disability benefits. A qualified insurance agent should take all necessary factors into consideration when proposing coverage options, so ask them to do that.

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