| As we mentioned in the previous article, most working | | | | that is both severe and prolonged: |
| people are covered under government insurance plan. | | | | Severe means the inability to pursue any substantially |
| In this article, we will discuss how government pension | | | | gainful employment and prolonged means that such |
| plan covers in case of disability of working people. | | | | disability is likely to be of indefinite duration or is likely to |
| These plans provide death benefits, income for | | | | result in death. |
| surviving spouses and dependent children as well as | | | | Benefits begin after a three-month waiting period. They |
| disability income benefits for qualified member. | | | | consist of a flat amount plus an earnings related |
| In order to receive the disability income from | | | | amount, which equals 75% of the contributor's |
| government pension plan, working people must | | | | retirement pension. Also an addition flat amount is paid |
| 1.Be disabled, according to the definition of disability | | | | for each dependent child. Disability benefits are |
| contained in the Government pension legislation. | | | | payable monthly and the amounts are indexed to go |
| 2. Have contributed to government eithera) In two of | | | | up each year according to increases in the Consumer |
| the last three years orb) Five of the last 10 years | | | | Price Index. |
| 3. Be under 65 years old | | | | This is payable only until age 65 or prior death or |
| 4. Not have received a government retirement pension | | | | recovery. At age 65 the disability pension is replaced |
| for longer than 12 months. | | | | by the retirement pension. |
| The disability must be a physical or mental impairment | | | | I hope this information will help. |