Implementation of the Affordable Care Act has emphasized the importance of the ancillary market. Many brokers are starting to find their new approach to selling in a post-ACA environment, and have found that disability insurance has been lucrative for their business.

Although many employers are rethinking the way they offer medical benefits, some are putting an increased emphasis on group benefits to make up for shifted or reduced coverages elsewhere. Due to its ability to provide income protection for employees who incur a severe illness or injury, disability insurance has become a benefit that employers are looking to enhance to help attract and retain talent.

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