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What is disability insurance / Who needs disability insurance

Disability Insurance In USA : Disability insurance in the USA is a type of insurance coverage that provides financial support to individuals who become unable to work due to a disability. This insurance helps to replace a portion of the individual's income and can be either provided by the government or purchased privately. Social Security Disability Insurance (SSDI) is a government-sponsored program, while private disability insurance is purchased through an insurance company. The eligibility and benefits offered by disability insurance vary depending on the type of policy.