Optimizing Your Federal Disability Insurance Options

Federal disability insurance can allow you to recover income lost as result of illness or injury. You may already have employer-provided disability insurance that covers you in case of an extended absence from work. Federal disability programs often can work in conjunction with this insurance to fully protect you.

Optimizing your federal disability insurance is just a question of being aware of the various forms federal insurance can take.

Types of Federal Disability Insurance

Federal disability insurance is available through a number of public programs. Major federal disability programs include Social Security Disability Insurance, Supplemental Security Income, Medicare and Medicaid, and various veterans' programs. Most of these programs are targeted at people of working age who potentially lose income due to a specific disability.

Each type of federal disability insurance comes with specific guidelines. For example, in order to receive benefits from Social Security Disability Insurance, you must either not be able to work or have a disability that is expected to last at least twelve months.


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