Disability insurance pays cash benefits to the policyholder in the event the insured is unable to work due to sickness or injury. That cash benefit ranges from 50% to 70% of income. The insurance company will not pay more than 70% of income because there must be an incentive to return to work.
There are over 51 million Americans that are classified as disabled, representing 18 percent of the population.
U.S. Census Bureau, Public Information Office, November 2008
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