Won’t The Government Take Care Of Me If I Become Disabled?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Sep 15, 2020
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
No. Although Social Security and certain other government plans (such as your state’s worker’s compensation, Veteran’s disability, etc.) do provide some disability protection, they were not intended to give you adequate replacement income ‘ only to provide a subsistence level of income. Any other coverage will add to this. Only a few states require employers to provide short-term disability coverage. Social Security may provide coverage after 26 weeks, but the requirements are quite strict (you must be totally and permanently disabled and unable to earn an income through any type of employment). Seventy percent of applications for payments are rejected. Even if you are eligible, the payments you would receive are usually not adequate to replace the income loss caused by your disability.