Disability insurance provides financial support to you or a loved one in the event of a disability that prevents you from working. This can include things like other health conditions, mental health problems, and the loss of a limb.
The Social Security Administration (SSA) reports that 1 in 5 Baby Boomers (ages 55-62) and 1 in 4 Gen-Xers (ages 38-47) are living with a disability. These long-term conditions range from severe arthritis to mental illness to disabilities that require the use of assistive services. With the average cost of a disability insurance policy for a 65-year-old male at $7,000, it is critical to learn more about these policies.
Disability insurance may sound scary, but it is actually a very useful tool for protecting our health and financial future. Disability insurance can help us to plan for a future if we are unable to work due to illness or injury. You can buy a policy that pays you a monthly benefit, or use a benefits calculator to figure out the value of your own personal policy.Bach. You hurt your back lifting furniture. You thought you could handle it. But the symptoms persist and worsen over several weeks.
Ooh. You fell on your job. At first it seemed like nothing, but now you feel dizzy and have trouble standing up.
The symptoms do not disappear with time. It’s getting worse. You have to take painkillers to get through the day.
What’s the next step? If the injury has resulted in disability, you will likely not be able to work. And if you can’t work, your financial health suffers, as does your physical health.
If this sounds familiar, you’re not the only one. Not being able to work at work or at home is much more common than you think. However, the financial burdens that arise after the onset of disability are even more common.
Most people who become disabled during their working life face serious financial difficulties. For most of us, the ability to continue to earn a living is our greatest financial asset.
According to Bankrate’s 2021 Financial Security Index, fewer than four in 10 American workers have enough savings to cover an unexpected $1,000 expense – let alone weeks or months of lost income due to disability.
Employees with disabilities should seek relief from the following sources:
- Private savings (which only some employees have)
- Help and support for families
- Compensation of employees
- Short-term and long-term disability insurance paid by the employer
- Individual invalidity insurance
- Long-term care insurance
Fortunately, there are ways to prepare in advance, avoid risk, and ensure a reliable income even if you can’t work.
This article discusses the meaning of disability, the risks of a disability-related injury or illness, the resources available to protect against these risks, and what working-age people can do to protect themselves and their families from a sudden loss of income.
It can happen to you too
It is very likely that an injury or accident involving a disability will affect you personally.
According to the Social Security Administration, about one in four 20-year-olds will face a disability before reaching retirement age that will prevent them from working for at least a year.
The odds are against it:
- Each year, more than one in 20 people – 5.6% – suffers an injury or illness that leads to disability.
- One in seven workers will have a long-term disability of at least five years before reaching retirement age.
- On average, it takes more than 30 months to complete a disability insurance policy.
- Only 10-12% of long-term disability claims are due to accidents. Nearly 90% of disability claims are due to conditions such as cancer, heart disease or arthritis, which can affect anyone, regardless of occupation.
Most Americans are underinsured for disability
Although disability is a far more likely cause of financial disaster for working families than death, Americans are woefully underinsured. Nine out of ten people significantly underestimate their chances of becoming disabled.
According to a 2019 PolicyGenius survey, only about 12.5 Americans have disability insurance.
Many assume that their employer or the government will insure them and provide adequate benefits if they become ill or injured.
In most cases, this is not the case.
Of course, your employer probably has workers’ compensation insurance. But only five percent of all disabilities are work-related. This means that about 19 out of 20 disability cases do not even qualify for disability benefits.
Even then, workers’ compensation insurance usually only covers what is necessary. And employee insurance companies have been known to deny medical care or refer you to their own doctors who are paid to keep claims to a minimum.
Determination of handicap
If you become incapacitated, it depends largely on the wording of the contract: Especially with regard to the definition of disability.
These definitions generally fall into two categories:
- Personal profession The insurance pays out if you can no longer work in your profession or trade due to your incapacity for work. If you’re a surgeon, but z. B. cannot stand for long, loses his sight or hand-eye coordination, you will still receive a payment from your own insurance.
- All trades: The insurance will only pay benefits if, as a result of your incapacity for work, you are no longer able to work in a profession that corresponds to your age, education and experience. This is a much stricter definition of incapacity for work than that of the self-employed. It is much more difficult to apply for benefits.
Insurance coverage for one’s own profession has higher premiums. But because these policies use a much broader definition of disability, they are much more likely to pay benefits than an occupational policy.
All-risk policies generally only pay benefits to the severely disabled. So it can be easy to lose your job and find yourself in a difficult financial situation, but not receive disability insurance benefits.
The surgeon in the above example, who suffered a back injury and cannot stand for long, would likely qualify for disability insurance with a policy that provides for self-employment.
However, if they have purchased a policy for a home of any type, it may be denied. The insurance company may consider that he can continue to practice medicine even though he no longer practices as a surgeon.
Most common causes of disability
These are the most common reasons for long-term and short-term disability claims, according to Unum:
Long-term disability causes:
Back pain: 13%
Cardiovascular System : 9%
Joint disease: 9%
Causes of short-term disability:
Injury (except back) : 11%
Joint disease: 8%
Digestive system : 7%
The time to think about the consequences of an illness or injury is before it occurs. If you wait for disaster to strike, you and your family have few options.
The first step in planning for disability is to identify the problem and the likelihood of it happening to you. If possible, sit down with your spouse/partner and consider the following questions.
- What illnesses or injuries could cost you your job? Can you continue to work at your desk or computer? Or does your job require a lot of physical activity? Can you do it from a wheelchair?
- What if you have to take so many medications that you have trouble staying awake or concentrating? You can’t drive to work anymore. And even if you work at a desk, what if you can’t concentrate or be productive for your employer because of your medications?
- If you lose your job, will you also lose your health insurance – when you need it most? So where will the coverage come from?
- Is your entire family losing income and health insurance at the same time?
- How long can you be without pay?
- Will you be able to pay your rent or mortgage? Can you put food on the table?
- What if you need care during the day? Can your husband give them? What about his work?
These are not just academic issues. This is exactly what my family has been dealing with since I was seven years old. January 2020, when my wife injured her back lifting furniture in the store where she had worked for nearly four years. Her injury landed her in a wheelchair. She was about 30 years old at the time.
My father also had a small roofing company. For most of his life, he climbed onto the roofs of houses every day with a tape measure to get an estimate for roof repairs.
However, when he was about 50 years old, he developed bladder cancer, probably from exposure to Agent Orange while serving in Vietnam. The side effects of the chemotherapy made his bones very brittle and he developed joint and mobility problems. He could no longer safely climb stairs and lost his income as a result.
Fortunately for our family, he had taken out good disability insurance a few years earlier. He bought it from an agent who was a friend and veteran of the Vietnam War. My father refused at first. But the agent persisted, saying: Phil, you’re my friend. What happens if you fall off the roof?
Okay, give me a pen.
If you can’t work, where will you get your income from?
If you’re disabled and not ready to retire, it’s not easy: How are you going to pay the bills?
If you’re disabled and don’t want to bear the cost of months or years of no income on your own, you’ll likely turn to a combination of disability insurance, workers’ compensation, SSDI or SSI to pay your bills. Below is a brief overview of each of these options.
Disability insurance is a form of health insurance that pays a monthly benefit if you lose your income due to illness or injury. Benefits are often 50-60% of your pre-disability income when you apply and start paying premiums.
Insurance companies are generally reluctant to cover employees for more than 50-60% of their pre-disability income, as overpayment reduces the insured’s incentive to return to work.
Many people have basic short or long-term coverage through their employer. You can also purchase personal disability insurance from a licensed insurance agent or broker.
To qualify for benefits, your medical records must show that you have an injury or illness severe enough to prevent you from working for a significant period of time.
Occupational disability insurance paid by the employer and individual insurance
Employer-paid disability insurance has several advantages:
- Employer subsidizes insurance premiums
- It’s easy to qualify for coverage. People with pre-existing conditions who would be denied their own insurance may be covered under a group policy.
Employer-paid disability insurance also has some drawbacks:
- Employers generally look for the lowest premium, not the best coverage.
- It’s more like insurance for a profession than for your own.
- Even employer-paid deductible policies covered by ERISA become deductible policies again after 24 months. At this point, it becomes much more difficult to qualify for benefits.
- The insurance cover is not transferable. If you lose your job, you may lose your disability insurance when you need it most. If you have a pre-existing condition or develop one while working, you will not be able to buy insurance at any price in the free market.
- Benefits are taxable as income. If your employee pays 100% of the premiums, all payments are taxable. If your employer pays 80% of your premiums, 80% of your benefits are taxable – and so on.
On the contrary, there are advantages to taking out disability insurance yourself – especially if you are still young and healthy and can qualify under the right conditions:
- You can choose to cover your own profession.
- If you pay insurance premiums, the benefits are not taxable.
- Your policy is portable. You can take it from work to work. You will not lose your insurance if you leave your job and become self-employed in the future. It remains in effect as long as you continue to make your contributions, generally until age 65.
- You can choose your own waiting time. This is the time that must elapse between the onset of the disability and the start of the benefit. With longer waiting periods, monthly premiums are generally much lower. The larger your savings, the longer you can afford to wait.
Even if your illness or injury is work-related, disability insurance can provide crucial protection if your disability insurance company denies your claim and your benefits.
This gives you pause and time to challenge the company’s refusal to compensate you, a process that can take months or years.
In addition, unlike disability insurance (see below), disability insurance gives you more flexibility in choosing your own doctors – without a major conflict of interest, since your own doctors are not dependent on the goodwill and recommendations of the disability insurance company for much of their income.
|High benefits, up to 50-60% of income for disability.||You or your employer may have to pay premiums.|
|Covers disability, work-related or not.||Policies paid for by the employer are not transferable. The benefits are taxable to the extent that the contributions are paid by the employer.|
|Benefits are not taxable if the premiums are paid by the insured.||Health insurance. There is no guaranteed emission and you may have to undergo a medical examination.|
|It is generally easier to get benefits than it is to get work injury insurance, social security insurance or social assistance.||Employers tend to opt for the lowest premiums rather than the best policy for their employees.|
Who must purchase disability insurance?
Disability insurance may be useful to you if… :
- You depend on your job to pay the bills
- You are currently in good health
- You can afford to pay the premiums – usually 1-3% of your income.
However, if you have already accumulated enough assets to meet your monthly financial obligations and those of your family, you may not need disability insurance.
Insurance is designed to protect you so that your income is not affected by a problem in your life. But if your income does not come from a 9-to-5 job, but from investments such as real estate, stocks or a checking account, you are already protected against disability.
Consider the above points when evaluating whether you need disability insurance. You’re probably not independent and rich yet. Disability insurance is a way to bridge the gap between your finances today and tomorrow.
Workplace accident insurance is paid for by your employer. The details depend on the federal state involved. But in general, if you can prove that you were injured at work, workers’ compensation will cover your medical expenses for treatment, as well as lost wages while you were off work.
Workplace accident benefits are generally divided into four types:
- Temporary partial incapacity for work
- Temporary total disablement
- Permanent partial invalidity
- Permanent total invalidity
The amount you receive depends on the nature of your disability and whether the insurance company and its doctors believe you can return to work full time or on a modified/light schedule. Benefits are limited by state law, with the details varying from state to state.
However, for most skilled workers or self-employed, fringe benefits may not be sufficient to compensate for the loss of income. In Mississippi, for example, the maximum weekly benefit for a totally disabled worker, regardless of pre-disability income, is $523.16 beginning in 2021.
You can be a worker on an oil rig making $100,000 a year or a doctor making $300,000 a year and your family will depend on your income. However, the maximum amount you can receive under Mississippi workers’ compensation laws is $523.16.
If your state’s limits are too low, consider disability insurance.
|Free for the employee; the employer pays all the premiums.||Covers only 5% of disability cases. The vast majority of injuries and illnesses leading to incapacity for work are not work-related.|
|It is no longer necessary to take the employer to court for compensation, which is expensive and forces the employee to postpone treatment.||Little or no choice of doctor|
|Combines payments for lost wages and medical treatment costs.||The strict definition of disability makes it difficult to receive benefits|
Medical benefits for work-related injuries
In theory, workers’ compensation companies should cover all reasonable and customary medical treatment for conditions resulting from work-related injuries and illnesses.
In practice, case managers for workplace accidents often approve only the most minimal care they can accept. Employers, not employees, pay workers’ compensation premiums and select workers’ compensation insurance companies.
Since companies have a natural incentive to minimize workers’ compensation costs, insurance companies should compete on this basis. If insurance companies paid too many benefits, they would either have to increase employer premiums or close their business.
But if they raise premiums too much, the employer can drop them and choose another company with lower premiums.
Depending on the state, you may also have little or no freedom to choose your own workplace accident doctor.
If you go to a doctor who is not a member of a professional association, you will either have to pay out of pocket or pay through private insurance.
But remember: If a work-related injury has taken you off your work schedule, it probably takes you off your employer’s health insurance too!
Even if you receive workers’ compensation income, a significant portion of it can be used to pay exorbitant COBRA health insurance premiums.
Workplace accident insurance also has its advantages. The system was created so that injured workers wouldn’t have to spend months or years litigating to get compensation from their employers – and get nothing.
For their part, employees generally cannot sue employers for compensation for work-related injuries, except in certain cases of extreme and intentional negligence. There are no penalties either. Workers’ compensation only covers lost income and medical care.
What’s more, the benefits can add up quickly. In cases where the work injury is clear and undisputed, the Workers’ Compensation Board may prescribe basic treatment and begin paying benefits within days rather than months.
However, many work-related diseases are not easy to prove. In the meantime, you may be out of work for months or even years to prove something.
My wife has been receiving wage replacement benefits for about three months. The company doctor then examined her in her wheelchair and informed her that she had no injuries, that she was doing well and that she could return to work without restrictions.
She had been in a wheelchair for almost a year and had not received any compensation in that time.
However, she was entitled to disability benefits – ironically from the same insurance company! Below you will find more information about disability insurance.
Social security disability income (SSDI)
SSDI stands for Social Security Disability Income. This is a federal program designed to provide a very limited safety net for people with severe disabilities. To qualify for this program, you must prove that you are unable to perform gainful employment due to your disability.
Even if your application is granted, the SSDI will only provide poverty-level benefits. The amount of the benefit depends on your average life income, which is covered by Social Security. At the beginning of 2021, the average SSDI benefit is $1,236 per month.
About 90% of SSDI recipients receive monthly benefits of less than $2,000. For most benefit recipients, benefits represent about half of their pre-disability income.
There is also a five-month waiting period for SSDI benefits: You will only receive a benefit from the sixth month after the onset of the disability. And most initial applications – 61% in 2020 – are rejected. About 14% of the appeals are successful. The remaining 15% are usually rejected at some point in the process.
Meanwhile, it takes months to get approval and months to appeal the initial rejection.
SSDI is a valuable lifeline for those in need. But because of the strict eligibility requirements, low benefit amounts and five-month waiting period, you don’t have to rely on Social Security benefits alone. For most people, this means that you and your family are at risk of getting into serious financial trouble.
|Covers disability, work-related or not.||Benefits are in line with the poverty line|
|You do not have to pay premiums if you pay Social Security taxes on your income.||It is very difficult to qualify for benefits|
|It’s not verified. You can get a loan even if you have other assets.||Waiting period of five months for entitlement to benefits|
Supplementary security income (SSI)
SSI is another social security program for the totally disabled and low-income or needy. SSI makes monthly payments to people who are disabled, blind or elderly and have low incomes and limited resources.
To receive benefits, you must show that your disability results in the inability to engage in substantial gainful activity, and ; that the disability is expected to last at least 12 months or result in death.
You must also prove that you have less than $2,000 in countable assets for singles or children, or $3,000 for married couples, before you can receive benefits. The maximum SSI benefit amount is very low: Starting in 2021, the maximum SSI benefit for a single person will be $794 per month. For married couples, the maximum benefit is $1,191.
|It’s free. No insurance premiums to pay||Think about the financial situation. You have to spend money up to the poverty line to qualify for benefits.|
|No work requirement||Maximum benefit amount very low.|
|Can quickly pay benefits for certain disabilities||To qualify for the program, you must be totally disabled and unable to perform paid work.|
Sickness insurance after incapacity for work
Most Americans have health insurance through their employer. But if you get sick or injured and can’t work for an extended period, chances are you’ll lose your health insurance – just when you desperately need it!
If you don’t want to bear all the risks and costs of future health care yourself, you should get health insurance. If you are a veteran, you can get insurance through the VA. Otherwise, here are your options:
1. Coverage by your spouse If you are married and your spouse works, you may be covered by his or her employer’s health insurance plan. Contact the human resources department of your spouse’s employer for more information.
Generally, you can only add family members to an employer-sponsored plan during the open enrollment period. But because you lost coverage under your own plan, a special enrollment period may apply to you.
2. Maintaining Your Own Health Insurance Through COBRA The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) allows you to continue your health insurance for up to 18 months if your coverage ends due to loss of employment, reduction in hours, or changes in your immediate family.
This is where the problem lies: It’s expensive. Your employer will no longer subsidize your health insurance premiums. You must pay the portion you paid during your employment, plus what your employer paid. You may also be required to pay additional administration fees.
3. Buying individual or family health insurance You can also buy health insurance on your own, either through the Affordable Care Act state exchange or through a health insurance agent. If you lose your job and your access to a previous health insurance plan, there may be a special enrollment period for you.
If you want to take advantage of the Affordable Care Act subsidy, you must purchase an ACA-compliant policy through the exchanges.
TIP: COBRA permanent insurance is notoriously expensive. However, deductibles for business insurance are generally lower than those for individual and family insurance purchased in the marketplace or through the Affordable Care Act’s online exchanges.
Even if you have already reached your deductible for the year under your professional plan, it may make sense to continue your coverage through COBRA rather than enroll in a new plan and have a new deductible before your coverage begins.
On the other hand, depending on your situation, you may be eligible for a subsidized health insurance premium if you apply through the online exchanges. ACA subsidies for COBRA coverage are not available. You should compare COBRA coverage to the health insurance plans available through the ACA exchanges.
4. Enrollment in Medicaid Medicaid is a federal program that provides basic health insurance to poor and needy people.
Medicaid rules vary from state to state, but generally Medicaid coverage only applies to people with very low income or countable assets (minus some discounts for things like home equity, life insurance, or a car).
Otherwise, you must spend your personal assets up to the poverty line before you qualify for Medicaid.
5. Medicaid and workers’ compensation If you have assets or alternatives, you should try not to rely on Medicaid coverage. If you were injured at work and are being treated for a work-related problem under the Medicaid program, Medicaid is entitled to reimbursement of your expenses in any settlement. You can put a lien on your business.
This means that if and when the workers’ compensation insurance company offers a settlement in your case, the court will refund your Medicaid coverage before you receive a dime. As a result, you may end up with much less money than you had set aside for your treatment and medical needs.
TIP: If you receive disability benefits, never try to get treatment through Medicaid. Even if you receive Medicaid treatment for a non-work-related accident, you may not recall the work-related accident unless it is medically necessary.
If your doctor reports illnesses in your record as work-related, this may be a reason to notify your state’s Medicaid agencies, which may require compensation for work.
TIP: Don’t lie to me. But keep your mouth shut when it comes to work. And don’t mention the fact that the injury is work-related when you talk to your Medicaid doctor. Therefore, she is not eligible for a lien under the Medicaid program.
Don’t let your health insurance lapse
Whatever you do, try to limit your health care interruption to 63 days or less. Under the Health Insurance Portability and Accountability Act (HIPAA), insurers cannot deny you coverage if you have had continuous solvent coverage for at least 18 months and there has not been a break in coverage of more than 63 days because you recently became disabled!
Tips for protecting yourself against the risk of disability
Here are some basic steps you can take in advance to protect yourself and your family from financial disaster due to disability.
1. Not dependent on state aid. Eligibility is difficult, and even then the assistance is minimal.
2. Don’t rely solely on workers’ compensation. Workers’ Compensation does not cover 95% of injuries or illnesses that result in disability. Even if your disability is work-related, you may have to fight with the insurance company for months or years without receiving benefits.
3. Accept short-term or long-term disability insurance offered by your employer. While not the best insurance in the world, employer-sponsored plans can make a big difference for millions of Americans.
4. Determine your basic income needs. What does it take to get through a month? You can use this planning tool from the Disability Awareness Council.
5. Purchasing individual voluntary disability insurance. Do it while you’re still young and healthy. You will have to undergo a rigorous medical examination, so buy the policy while you are still in good health. A car accident, a lifting accident, high blood pressure, a problematic pregnancy, a diagnosis of multiple sclerosis, or anything else in your medical record can make it difficult or impossible to get private insurance if you wait. This makes this coverage even more valuable.
6. Consider long-term care insurance. Disability insurance compensates part of the lost income. However, you may also need home care, nursing home care or hospice care. Long-term care insurance pays these benefits and protects your income from disability.
7. Saving money. A healthy emergency fund with several months of expenses will help you survive the critical period between the onset of disability and when you can receive benefits from insurance, SSDI, workers’ compensation, or another source. More savings means you can afford a longer waiting period and save money on your disability insurance premiums.
8. Consider waiving life insurance premiums. If you purchase this insurance, the life insurance company will pay your life insurance premiums for you if you become disabled. That way, you won’t lose your life insurance policy shortly after you become disabled.
9. Cheers. You can greatly reduce your chances of becoming disabled or the severity of your disability by living a healthy lifestyle, keeping your weight under control, not smoking and not drinking too much. You can also save a lot of money on medical and health-related expenses.
What happens if you become incapacitated for work and you do not have disability insurance?
As with any insurance, it’s best to get it before you decide you need it. But what if you are sick or injured and do not yet have disability insurance? Or if you tried and were rejected? Your options may be very limited. Here’s what to do if this happens to you:
- Check with your human resources department about sick time and compensatory time off options. Also ask if there is a sick leave policy.
- Try to keep your company’s health insurance. Your work insurance may help pay for your care, even if your disability is not related to your work.
- Keep a diary. Document the onset date of disability as best you can. You may need these documents later, when the deadline for applying for benefits expires.
- Save money. Try to cut back on household expenses once it becomes clear that you may lose your job or work fewer hours because of your disability. You may need money later.
- Structuring your assets so that they are not counted under SSI and/or Medicaid rules. You may need legal advice on how to proceed. Work with a qualified attorney who is familiar with disability law.
- Contact your local employment office to find a job or training. Maybe you can learn a new trade or start a business that you can do with your new disability.
- Apply for SSDI. Because it takes so long to get a permit, you should start the process as soon as it is clear that you have a disability or illness that prevents you from working. Depending on your situation (low income or employment), you may want to consider applying for SSI.
Preparing for a long trip
In my family, my wife has been in a wheelchair for 18 months due to an accident at work. She can no longer work in her previous retail job, which required driving miles to a large store or spending hours a day at the cash register.
Although her compensation company continued to deny her benefits, her disability insurance helped her and provided her with much needed income.
Meanwhile, with the help of an attorney, she continued to work on the workers’ compensation system. It recently received a very favorable opinion (for us) from an independent medical expert, and we hope to win.
Typically, injured workers negotiate a lump sum with their workers’ compensation insurer and then must use the lump sum to pay for continued treatment and expected loss of income. But by the time that happens, we will have been fighting this case for 18 months to two years.
The situation is different for everyone, but it is important to remember that sudden disability can strike at any time. Timely preparation can mean the difference between normal income and past due bills.
So be sure to ask your current employer what they have to offer employees with disabilities. If what they offer doesn’t cover you or your family, you may need to find supplemental disability insurance.
In addition, building up a solid emergency savings pot in advance and maintaining a healthy lifestyle increases your chances of avoiding disability in the first place.
Only the wealthiest families could afford to be without benefits for so long.
If you qualify for disability insurance, I suggest you buy your own policy on the open market. And take advantage of free or subsidized insurance if your employer offers it.
Disability insurance can help protect you and your family in the event of a disability. Disability insurance is designed to provide income replacement for a predetermined period of time to you or your family in the event of a disability. Disability and life insurance are two different types of insurance. They both provide protection for losses in the event of an untimely and unexpected death or disability. Disability insurance, sometimes referred to as permanent life insurance, is designed to provide income replacement for a predetermined period of time to you or your family in the event of a disability. Life insurance is designed to provide a lump sum payment to your family in the event of your death, the loss of a breadwinner or if your policy lapses. Depending on the type of disability and the insurance. Read more about white coat investor disability insurance resident and let us know what you think.
Frequently Asked Questions
What do I need to know about disability insurance?
Disability insurance is a type of insurance that pays out a certain amount of money to a policyholder if they become disabled. This can happen due to a physical injury or a mental illness.
What is covered under disability insurance?
Disability insurance is a type of insurance that covers individuals who are unable to work due to illness or injury. This type of insurance is designed to help with the cost of living while a person is unable to work. How does disability insurance work? Disability insurance is designed to cover the cost of living for a person who is unable to work due to illness or injury. The insurance typically covers a person for a certain period of time and then the person is required to
Is Disability Insurance Worth getting?
If you have a disability and you are unable to work, disability insurance can help you cover the cost of your expenses. This can include things like medical bills, lost wages, and more. If you are disabled and unable to work, disability insurance can help you cover the cost of your expenses. This can include things like medical bills, lost wages, and more. If you have a disability and you are unable to work, disability insurance can help you cover the cost of
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