Social Security Disability offices across the United States refer many people to our website.

The majority of accidents and illnesses cause temporary disabilities, and are not covered by the government safety net. Social Security Disability covers only permanent disability, and they refer applicants here for help in applying for state disability benefits. However, only five states have programs covering temporary conditions.

 

Disability insurance replaces a portion of income when the policyholder is unable to work. When policyholders are disabled, they often have extra medical expenses. A reduction in income could hurt.

Sometimes the recipient receives the benefit tax free, other times the amount is taxable. When the benefit comes tax free, the net amount is often close to regular earnings.