How to Save for Long-Term Disability Insurance

When you buy disability insurance, it is expensive. You can calculate the dollar value of that. It will pay 60% for two, two years or three years with a six-month exclusion period where it doesn't pay yet until you're, until you're disabled. And so, sorry, if you ever get it, it'll be tax-free, but it's the same thing, like with Social Security and stuff,. They are assuming on disability that you're going to get a tax-free payout.