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How does private disability coverage differ from worker’s compensation and state disability?

April 26, 2017compensation coverage differ disability private State worker

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How does private disability coverage differ from worker’s compensation and state disability?

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A. You buy the policy, select the benefit levels, and pay the premiums yourself. The plan is not based on you continuing to work with your current employer or in the state where you now live. Unlike workers compensation, it is not limited to work-related disabilities. Since private disability coverage is only for the person stipulated in the policy, it can be tailored to fit specific needs.