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Since we're in the fourth month of a national lockdown due to the coronavirus pandemic, we're facing a multitude of obstacles for employers and their employee benefit advisors. Let's first discuss how a long term disability occurring today might become "complicated" and let's start with the risk of anyone becoming totally disabled.

Millions of working Americans are facing a growing crisis: a lack of adequate disability insurance coverage. Today, the absence of emergency savings, rising medical costs, and an overall trend of fewer employers offering benefits to workers has created a critical blind spot for many American workers and their families. Without some kind of income protection, more Americans are experiencing severe financial difficulty if they need to miss work due to illness, injury, or pregnancy.

Related: Talking to clients about COVID-19's impact on disability insurance