A MetLife study found that half of 20-something workers are looking for long-term financial security, writes Barry Lundquist of the Council for Disability Awareness. Planning for disability should be a key concern for them because the average 20-year-old has a 25% chance of facing a long-term disability prior to retiring, he writes. More than two-thirds of private-sector employees, however, lack private long-term-disability insurance, he writes, citing Social Security Administration data.

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