There are certain, inalienable truths you know to be at the core of what employees really should do: They should be saving more for their retirement. They should be taking part in wellness programs and trying to lose those holiday pounds. Heck, they should even be brushing their teeth more often.

But given the relatively limited bandwidth in the overburdened working lives of most Americans, there’s only so much pre-worry they seem to be capable of handling. And so, that oft-quoted statistic that one in four American workers will absolutely face an employment-disrupting disability during the course of their careers — well, it’s yet another thing we know to be true, but can’t quite wrap our heads around, much less figure out a way to be prepared for it.

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