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Fewer people are insuring themselves against the impact of a disabling injury or illness, according to new research from The Hartford, released today. The report shows just 49 percent of U.S. workers have short-term disability insurance and 44 percent have long-term disability insurance, a drop of 6 percent and 3 percent, respectively, from last year’s numbers.

This is concerning news to the insurance and financial company, they say, as disability insurance protects people’s ability to earn a paycheck.

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