It may not be the first thing that comes to mind, but disability insurance may represent the most important financial product that individuals need during their working years. Being able to generate a steady income from work is the foundation for all financial planning, allowing individuals to maintain their lifestyle as well as plan for future retirement. The Advisor's Guide to Disability Insurance is a clear, concise, and approachable guide that helps attorneys, insurance agents, and other financial professionals understand the opportunities and benefits of disability insurance and guide their clients as well as their own families through this complex employee benefit and retirement planning process. Written by experienced insurance industry professionals, this straightforward guide discusses all aspects of disability insurance with a long-term duration until retirement, beginning with the basics and an overview of the different types of disability. Subsequent chapters address key topics in greater depth, including: Individual and group long-term disability Integrated group and individual plans Underwriting the disability risk Filing a claim under different policy types Employment/shareholder agreements Evaluating and selecting a disability insurance carrier Regulations and relevant benefit laws Income protection planning and how it will evolve in the future The role the advisor plays in planning Sample planning situations