As a service professional, your hands, mind and body are what brings money into your business. If you are unable to produce, how long will your business and family be able to keep up with day-to-day expenses? Sure, "it will never happen to me," but there is a 3 in 10 chance of suffering a disability that keeps you out of work for 90 days or longer at some point in your career. In this episode, hosts Hunter and Judson discuss long-term disability carriers and policy types, appropriate coverage amounts and why knowing your "wait period" is so important to getting paid.