Many employers don't focus on how disability can threaten retirement security for their employees -- here's why they should.(Photo: Getty)

As more retirement benefits are provided through defined contribution (DC) plans, attention is needed to focus on risk protection, specifically with long-term disability.

However, many employers do not focus on how disability can threaten retirement security for their employees – which is alarming because a period of disability usually means no new retirement savings, and may mean accumulated savings are withdrawn and spent on immediate expenses.

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