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You have 4 primary sources providing disability coverage:

  1. Through your employer.  Some states require that employers of a certain size provide some form of disability insurance to all employees.

  2. Through an insurance company that you buy directly yourself.  Lots of insurance companies offer disability insurance.

  3. Through Social Security.  Most  salaried workers in the United States participate in the federal government’s Social Security program. Social Security is best known for its retirement benefits. But the Social Security Administration also administers disability benefits. Since its inception in 1935, Social Security has paid approximately $8.4 trillion in benefits to nearly 200 million people.  Your salary and the number of years you have been covered under Social Security determine how much you can receive. 

  4. Workers' Compensation.  Workers' Compensation laws are designed to ensure that employees who are injured or disabled on the job are provided with disability benefits.   These laws also provide benefits for dependents of those workers who are killed because of work-related accidents or illnesses. State Workers Compensation statutes establish this framework for most types of employment. Federal statutes are limited to federal employees or those workers employed in some significant aspect of interstate commerce. Most non-federal employees are covered by their state's workers compensation plan, but employees should be sure and check with their employer and the state to understand their coverage.  Federal employees should contact the Office of Workers Compensation Programs.