| The Social Security Administration controls the two | | | | two main ones being the short-term policy and the |
| disability programs: The Social Security and the | | | | long-term policy. The short -term insurance is part of |
| Supplemental Security Income that offer help to those | | | | the other insurance benefits of another policy, and |
| who are afflicted with disabilities. These are the most | | | | generally provides you with an income in the initial |
| popular and the biggest of many similar associations. | | | | stages of your disability. Such disability insurances offer |
| Though they are dissimilar in many ways, they perform | | | | coverage for some week and will not stretch for |
| the same function of helping disabled people who | | | | more than a two year time period. |
| qualify certain criteria to be eligible for assistance. | | | | But in the long-term disability insurance, you are |
| If applying for disability reimbursements, the Social | | | | covered for many years and such policies are |
| Security Office will verify your medical background to | | | | generally incorporated as a part of certain packages |
| ensure qualification, but most often the amount | | | | of their employment benefits. But there are a lot of |
| received hardly meet your expenses. | | | | people who take disability insurance policies separately. |
| The other means of obtaining disability benefits are by | | | | You then have the Own-Occupation Disability |
| way of insurance companies. In such cases, if you are | | | | Insurance policy that states; when you are helpless to |
| unexpectedly disabled, your insurance will dole out | | | | carry out the functions of your regular occupation, this |
| financial help. The company will pay you a percentage | | | | will be considered as the occupation that you were |
| of your total income from the disability policy that you | | | | involved in when you became disabled, the insurance |
| have taken, a sum that will look after when you are | | | | company will give you a claim on it even if you happen |
| down and out. | | | | to be working elsewhere later. |
| You will not be required to approach the Social | | | | Yet another very popular disability policy is the Income |
| Security Office or convince them of your disability to | | | | Replacement Insurance. In this policy, if you are |
| receive any assistance. The Social security Disability | | | | incapacitated to carry out your duties due to illness or |
| program has nothing to do with the disability insurance | | | | injury and you are not engaged in any other |
| that you take from an insurance company. | | | | occupation the insurance will pay the claim. |
| In the website "About Disability Insurance" it states that | | | | The employee benefits also have another disability |
| the basic idea of a disability insurance policy is to | | | | policy integrated into their package called the Gainful |
| substitute 45 % to 60% of your total income free of | | | | Occupation Coverage where if you are sick or injured |
| tax, if you happened to fall sick or become so disabled | | | | and are unable to carry on with your work, or cannot |
| that you are not in a position to earn any money. | | | | do any other work for which you are qualified, you will |
| Disability insurance policies vary from one insurance | | | | be paid the claim. |
| company to another. Do not look for the cheapest; | | | | You never know what is in store for you, so it would |
| ensure that you take the best, because a cheap policy | | | | be a good idea to be armed with a disability insurance |
| will not give you a decent monthly benefit. | | | | policy for yourself. |
| There are a variety of disability insurance policies the | | | | |