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Government-Mandated Disability Programs

Keep in mind that there are also state and/or federally mandated programs for employees who become disabled. They are not benefit programs, per se, in that you do not have to purchase them as you would conventional insurance, but you may qualify for one of them at some point in your life. These include:

When do benefits begin? A disabled person is entitled to monthly cash benefits beginning with the first month in which the he or she meets all of the following conditions:

When do benefits end? Benefits end when any of the following events occur:

Contact the Social Security Administration to learn if you can qualify for these benefits should you become disabled.

Interaction with other benefits. Social Security disability benefits are reduced by whatever the individual receives from workers' compensation insurance. Benefits, however, are not reduced by what the individual may receive from private insurance.


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