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How much is Long Term Disability Insurance likely to cost if you have been tested and shown to have a particularly high risk of developing a long-term disability?

Oh, you wouldn't tell the insurer? That'll probably be grounds for invalidating the policy, if and when it ever comes to light.

The more we are able to know about the likelihood of future medical issues on an individual level, the more dysfunctional the "insurance" model will become.




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