In this episode of "Do More With Your Money," host TJ Van Gerven discusses the often overlooked risk of long-term disability in financial planning. He explains the importance of having coverage, especially for those in early career stages, and highlights the need for understanding one's employer-sponsored coverage. Van Gerven also discusses the difference between own occupation and any occupation coverage, the potential limitations of employer plans, and the importance of supplemental coverage. He concludes by encouraging listeners to review their coverage, request their full policy from their employer, and explore portable coverage options.