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On the Disabled List?

Save employees (and your business) a world of hurt with disability insurance.

This story appears in the September 2004 issue of Entrepreneur. Subscribe »

The average American worker has a 1 in 3 chance of becoming disabled for 90 days or more during his or her working years. So it makes sense to include in your benefits package.

"With the majority of Americans living paycheck to paycheck, three months or more without pay may mean missing mortgage payments or struggling to keep food on the table," says Richard Mucci, executive vice president of Simsbury, -based Hartford Life Insurance. "The most important asset people have is the ability to earn an income. It's an important asset to protect."

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