If you’re a high-income earner who is serious about securing your financial future, you may be considering the purchase of supplemental individual disability insurance (supplemental IDI). This type of disability income replacement coverage offers policyholders benefits that in many ways are superior to those offered by the standard long-term disability (LTD) coverage that many employers offer.

Disability coverage is one of the most important ways that working professionals can secure their financial futures. Unfortunately, due to many myths and falsehoods about this coverage, many people do not get the coverage they need to secure their financial well-being into the future.

If you’re a high-income earner who wants to ensure a financially secure future, you may already be considering the purchase of supplemental disability insurance or individual disability insurance.