Disability insurance replaces incomes which individual lose if he has a long-term illness or injury and cannot work. This is an important type of coverage for working-age people to consider. Disability insurance does not cover the cost of rehabilitation if an individual is injured.
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Some employers offer group disability insurance and this may be one of the benefits where individual work. Or the individual might be eligible for some government-sponsored programs that provide disability benefits. Many different kinds of individual policies are also available.
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