
Disability insurance is particularly designed to assist physically challenged individuals who are incapable of paying their medical bills or sustaining their lifestyle. This type of insurance is indeed a blessing to them as it replaces a portion of their income when unable to work. In some states, the law actually requires employers to provide their staff with disability insurance. So to fully understand this insurance, let’s further discuss about the two main types of disability plans.
Short Term Disability Insurance plan
This is often a part of employee package. Short term disability plans substitute or replace income for the early period of a person’s disability. Generally, plans provide disabled people with…











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