Disability benefits

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Disability benefits are a form of financial assistance designed to support individuals who are unable to work due to a chronic illness, disease or injury. Disability benefits are typically provided through various sources, including government programs, group disability insurance provided by employers or associations or private insurance policies typically purchased through a licensed insurance agent or broker, or directly from an insurance company.

The primary purpose of disability benefits is to offer a safety net for those whose earning capacity is impacted by a disability, ensuring they have the necessary support for their living expenses. By compensating for lost income, disability benefits play a crucial role in helping individuals maintain financial stability and quality of life in the face of challenging health circumstances.