Disability insurance

For example, the worker may be unable to maintain composure in the case of psychological disorders or sustain an injury, illness or condition that causes physical impairment or incapacity to work.

[5][6] Those whose employers do not provide benefits, and self-employed individuals who desire disability coverage, may purchase policies themselves.

Single policy issue and participation (individual or group long-term disability) coverage has gone up to $30,000 with some hospitals.

In most developed countries, the single most important form of disability insurance is that provided by the national government for all citizens.

There are several subtypes that may or may not be separate parts of the benefits package: workers' compensation and more general disability insurance policies.

Statistics have shown that most disabilities occur while the injured person is not working and therefore not covered by workers' compensation.

[9] Newsweek magazine's cover story for March 5, 2007 discussed the problems that American veterans of Afghanistan and Iraq wars have faced in receiving VA benefits.