By ANNA WILDE MATHEWS
Disability-insurance benefits from the workplace and the government are getting harder to come by—and that's putting more pressure on consumers to purchase their own coverage in case a medical condition keeps them from working.
But disability insurance can be confusing. Policies may include conditions that make it tough for people filing claims to actually qualify for the benefits. And some policies may limit payouts for certain diagnoses, particularly mental illness. To protect themselves, consumers considering buying disability coverage need to read the fine print.
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