Broken leg How long could you go without a paycheck? Three months? Six months? A year? And what if you had $10,000 in out-of-pocket medical expenses? (Photo: Shutterstock)

You probably know that half of working Americans couldn't make it a month without a paycheck before financial difficulties set in, and one in four workers would have problems immediately. But that's just part of the story. Employees don't have to live paycheck-to-paycheck in order for a disability to have grave financial and health consequences. And people don't need to be sickly or accident-prone to become disabled. Take it from me and learn from my story.

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