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[quote=Anonymous]Thanks all. I am completing a fellowship and I have signed on with an employer, I just think it is wise to get independent disability insurance. But some options include having the independent disability kick in after the employer disability runs out (which is a little bit cheaper). So I was debating that. But I think my employer disability will likely not be very high, so I think I'll bite the bullet and just get regular disability. Thanks for all of your feedback! [/quote]
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