This "residual benefit" feature could be more valuable than you ever thought, especially if you are a small-business owner, self-employed or in a fee-based practice, such as accountants and lawyers, says Michael Relvas, a financial planner in Rockville, Md.

WSJ: Conquering Retirement: Uncovering Hidden Disability Benefits

Every lawyer admitted to the bar in your state is technically qualified to practice law but they may have also obtained a specialization, a credential like the AEP designation (Accredited Estate Planner), or an LLM (Master of Laws) in an area like tax law.

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