Long-term disability insurance. It’s not as immediate a need as health insurance, and you probably don’t think it works into your long-term financial plan as much as life insurance does. But it’s still really, really important. Long-term disability insurance is, at its core, income replacement. It can help you make ends meet when you’re unable to work without needing to completely drain your emergency fund or other savings. So why isn’t it as popular as other insurance types? If you’re a .. more »