Securing benefits from a long-term disability insurance policy can be tricky, especially for high-income professionals. Therefore, it's important for these policyholders and their advisers to understand the details of the policy and the practices of the insurance company to ensure they have access to benefits when faced with a long-term disability. This article recommends that high-income professionals secure an individual policy before joining a group policy. Group policies, the article points out, often carry riders that allow them to be canceled or not renewed by the insurer.

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