Workers in this country remain woefully uninsured—and underinsured—when it comes to disability insurance. According to The Hartford, only 49 percent of U.S. employees have short-term disability coverage, and 44 percent own long-term disability coverage. In fact, 100 million Americans aren't protected by private disability insurance, based on Social Security Administration numbers.

So with the need for protection so clear, why are so many employees just not buying it?

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