The most common type of disability, musculoskeletal and connective tissue disorders, are often limited to two years of benefit payments in employer long-term disability policies.

Mental disorders, the fifth most common type of disability, are also limited to two years o...

You hear the statistics all the time. One in four people will become disabled before they retire. You’ve heard the stories. You know that people become disabled. But what does all of that really mean? Why do these statistics matter to you or your clients?

Let’s put info...