Historically, an individual interviewing for a new job primarily was interested in the salary that they would receive. In recent years, however, employees have become far more concerned about the entire compensation package, which includes all of the benefits to which they’re entitled. The primary elements of that package traditionally have focused on health insurance and retirement—either pension or 401(k). But the more astute consumer looks beyond the traditional package and realizes that a very important component of their overall protection is disability insurance.
 

• The National Association of Insurance Commissioner’s (NAIC) disability tables reveal that a ...