Disability insurance is perhaps considered the most complicated and misunderstood insurance policy. Here are the most well-known long-term disability insurance myths that need a clear picture. Myth #1: Does not require long-term disability coverageThe most well-known myth about long-term disability insurance is that you needn’t bother with it at all as it is a long way from reality! Myth #4: Need to continue with the policy until retirementIndividuals have the alternative to pick how long the benefit period keeps on going when purchasing a long-term disability policy. Myth #5: Opting for a non-cancellable policy can increase my ratesWhen talking about long-term disability policy, the expression ‘non-cancellable’ seems misleading.