The Critical Need for Dynamic Disability Insurance in Financial Planning
Advanced financial planning often prioritizes asset accumulation, yet the most significant threat to long-term wealth remains the potential loss of human capital—the ability to earn income. Disability insurance (DI) serves as a strategic safeguard, not just replacing lost income but actively protecting existing assets from forced liquidation during periods of professional incapacity.
The urgency is underscored by Social Security Administration data: a one-in-four chance of disability before retirement age. This statistical reality demands proactive risk management. High-earning professionals face particular exposure when policies remain static—benefits locked at initial purchase levels fail to keep pace with salary growth, creating dangerous coverage gaps.
