Many Americans have group long-term disability insurance available to them through work, but many more do not understand what it can offer them. Many do not even know what disability insurance is or what it means. Simply put, a disability insurance policy insures one’s ability to work and earn a wage. Most people must work to get paid. If they do not work, they do not receive a paycheck. Disability insurance covers employees for a certain percentage of their regular pay if they are unable to work due to an illness or injury.
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