Many workers are unaware of the looming threat disability could pose to their retirement savings, but a recent change in IRS regulations has made it possible for long-term disability insurance to cover retirement plan contributions in the event of a participant’s disability.

Anna Rappaport, a noted author, former member of the Department of Labor’s ERISA Advisory Council, and expert on the risks long term disability poses to America’s retirement savers, has noted on numerous occasions that even a brief disability often puts a stop to 401(k) contributions, which can take a substantial toll on a worker’s financial security both before and after retirement.

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