The Income Protection Conversation Most People Are Avoiding Part 2

In this episode, I break down the basics of Long-Term Disability Insurance—what it is, why it matters, and the biggest mistakes people make when choosing a policy. I'll explain the real difference between "own occupation" and "any occupation" coverage, why most policies only cover 60–70% of your income, and why you shouldn't count on Social Security as your safety net. If you're a business owner or professional, protecting your income is non-negotiable. Let's get clear on how to do it right. Listen now! Show highlights include: Some startling data on working-age disability, causes, and insurance coverage. Are you underestimating your disability risk? (0:52) What "Own-Occupation" vs. "Any-Occupation" means in Disability Insurance—and the gold standard policy choice for business owners and professionals to avoid zero payout dangers. (1:50) How much of your pre-disability income LTD Insurance replaces and the actual amount after tax. You can get it 100% tax-free, though. Discover how! (4:22) Can you get Disability Insurance if you're 60? (5:36) How long Disability Insurance takes to pay out benefits after an illness or injury starts. And a pragmatic bridge income tip for the waiting window. (6:01) The truth about Social Security Disability Insurance you should know if it's your sole plan—and what I advise. (7:07) A timely reminder on the importance of protecting your most valuable asset: your income. (8:19) Reach out to me: valerie@alphaomegawealth.com https://www.linkedin.com/in/valerie-laroque-lacp-b569509 Infinite Banking Mastery (infinitebankingnorthwest.com)