Most medical professionals think their employer long-term disability has them covered… until they realize the fine print. Here’s the real difference ⬇️ ✨ Employer LTD • Usually covers only 50–60% of income • Benefits are taxable • Not portable if you change jobs • Definition of disability is typically COMPLETE AND TOTAL DISABILITY ✨ Own-Occupation LTD • Protects your specific specialty • Benefits are typically tax-free • You own it (it follows you, not your job) • Designed for high-income profes
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