easy · Certified Financial Planner Risk Management

Ms. Wojcik wants to ensure her disability policy allows her to work in a different field if she can't do her current job.

Which policy feature is the absolute 'binding constraint' for her request?

  1. An 'any-occupation' definition with a lower premium.
  2. The 2026 maximum HSA contribution of $8,750.
  3. A waiver of premium rider that lasts for 20 years.
  4. The 'own-occupation' definition of disability.

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