Dan Houston Quotes
Individuals who are targeting a lower replacement ratio will see a significant reduction in their standard of living. 
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Individuals who are targeting a lower replacement ratio will see a significant reduction in their standard of living.
- Dan Houston
The irony is that while most of us are optimistic about our futures, the reality is clear that accident and disability are more likely to impact us than we care to acknowledge. Clearly workers with employment disability benefits have an edge, and those that plan for their own individual needs are also ahead of the game.
- Dan Houston