| Most of the premium organizations including | | | | the processing and final decision takes 120 days. |
| government organizations, defense services and many | | | | Some technical jargon might come in the way of |
| of the autonomous institutions offer disability insurance | | | | settlement of your disability claim but all such schemes |
| for the benefit of their officers and staff members. | | | | are meant for the benefit of the disabled persons and |
| Though, a person can also get himself secured by | | | | the final outcome in most of the cases is bound to be |
| signing a personal insurance policy. | | | | in their favor. |
| Let's have a sneak peek into the various aspects of | | | | Sometimes the disabled person gets disability benefits |
| disability insurance. | | | | from more than one agency as in the case of war |
| First things first, what is disability? It is a medical | | | | veterans. They will get Social Security disability |
| condition of your body/health that prevents you from | | | | benefits apart from the compensation from the |
| discharging your official duties for a period of time. | | | | Veterans Administration as per the rules. |
| Apart from physical disability, a number of disorders | | | | As per the terms and conditions of their service, the |
| including mental disorders are also listed in the | | | | veterans pay taxes on the basis of their taxable |
| insurance policy/handouts. | | | | emoluments. Hence they legally become eligible for |
| Now, some basic conditions govern the disbursement | | | | Social Security disability benefits. The service condition |
| of disability benefits. | | | | stipulates that you need to put in five years service to |
| You have to submit your claim on the prescribed | | | | be eligible for the disability benefit. Partial disability is not |
| application form. The prime condition of eligibility for | | | | covered. To get the benefit, you have to be totally |
| social security disability is your work history. You should | | | | disabled which seems to be a harsh condition. |
| have put in at least five years service prior to the date | | | | If your application is approved by the prescribed State |
| of your disability but that need not be continuous | | | | Agency, you will start receiving the disability payment |
| service. It could be service with breaks. | | | | every month after the mandatory waiting period of |
| Next point to ponder over is- who is to take the final | | | | five months.There are social security disability benefits |
| decision on your disability—your insurance | | | | that you take from your own initiative. And the amount |
| company or private medical practitioner? Well, none of | | | | of premium that you pay is tax free. Before opting for |
| these. | | | | any of the schemes, you need to make a careful |
| The evaluation is performed by an agency of the | | | | study of the benefits that are likely to accrue. By |
| State you live in called Disability Determination | | | | contacting any insurance broker, you can get many |
| Services. After you submit the prescribed application, | | | | quotations for the purpose of comparison. |