Three in 10 workers entering the work force will become disabled before retiring, according to the Social Security Administration, impacting their ability to earn an income in the near-term and significantly affecting their retirement income.

Yet although 80% of Americans recognize the impact a disability will have on their earning ability and ability to save for retirement, only 10% over the age of 21 said they have purchased a disability insurance policy, according to a Northwestern Mutual study in December.

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