Mcnamaraonmoney

This episode features financial advisor Justin McNamara and insurance specialist Guy Ziriak discussing the critical role of **income protection through insurance**. They **explore the differences between short-term and long-term disability insurance**, including how they are typically offered (employer-based vs. individual policies), their coverage periods, and the impact of premium payment on taxability. The discussion also **examines factors influencing the cost and complexity of disability policies**, such as occupation, elimination periods, and various riders. Finally, they **briefly touch upon life insurance** as another form of income protection, highlighting its general purpose and common coverage recommendations. Justin McNamara, CFP® is a Certified Financial Planner with passion for investment strategy and selection. Works with small businesses and owners, parents of college-bound kids, job changers, pre- and post-retirees. To schedule a visit with the team at McNamara Financial, be sure to visit: