12. Introduction to disability income insurance and Social Securitydisability benefits If case of a serious injury or iliness, you will be probobly be responsible for paying some of your medical expenses even if you have heaith insurance. If you are employed, this financial strain could be aggravated by your loss of income while you are out of work during recovery, If your disability extends for a lengthy time or is permanent, the financial effects could be devastating. Disability income insurance is designed to pay you while you are disabied. The four major sources of funding for these. payments are: - Your employer's disability insurance plan - Your private disability insurance plan - Soclal Secunty disability benefits - Other government programs' disability benefits As you answer the following questions about social Security disabulity benefits, think about your life today and how you would respand if you faced an extended period of disabinty. Social Security Disability Benefits Hubert recently sustained an injury that is unrelated to his work. He expects to be disabled for some time and has contacted the Social Security. Administration to file a claim for disability benefits. Hubert has always heard about Social Security disability and looks forward to the relief it will delliserin Hubert was shocked to leam the terms of qualifying for benefits: - First, he must be disobled: - Second, his disabi Ipated to be at least - Third, he must be - Fourth, if he satist I requirements, his benefit is $2 , 500 per month, but he must walt: for payments to begin. The monthly payn E retroactive. Hubert expects to be disabied for 9 months. His benefits will be for manths for a total of . Hubert receive benefits because he be disabled long enough to qualify for them. (Hint: If Hubert is not eilgible for benefits; enter a "o" for the months and total benefit numeric entry boxes.) As you ancwver the following questions about Soclal Security disability benefits, think about your wfe today and how you would respond if you faced an extended period of disabiinty. Social Security Disability Benefits Hubert recently sustained an injury that is unrelated to his work. He expects to be disabied for some time and has contacted the Social Security Adminittration to file a claim for disability benefits. Hubert has always heard about 50 c ia l 5 ecurity disability and looks forward to the relief it will detiver. Hubert was shocked to iearn the terms of qualifying for benefits: - First, he must be disabled. - Second, his disability must be anticipated to be at least - Thirdy he must be unable to - Fourth, if he satisfies the preceding requirements, his be yer month, but he must wait for payments to begin. The monthly payments retrosctive. Hubert expects to be disabled for 9 montis, His benefits w months for a total of Hubert receive benofits because he be disabied long enough to qualify for them. (Hint: If Hubert is not eligible for benefits; enter a "o" for the months a.

1. 12. Introduction to disability income insurance and Social Securitydisability benefits If case of a
serious injury or iliness, you will be probobly be responsible for paying some of your medical
expenses even if you have heaith insurance. If you are employed, this financial strain could be
aggravated by your loss of income while you are out of work during recovery, If your disability
extends for a lengthy time or is permanent, the financial effects could be devastating. Disability
income insurance is designed to pay you while you are disabied. The four major sources of
funding for these. payments are: - Your employer's disability insurance plan - Your private
disability insurance plan - Soclal Secunty disability benefits - Other government programs'
disability benefits As you answer the following questions about social Security disabulity
benefits, think about your life today and how you would respand if you faced an extended period
of disabinty. Social Security Disability Benefits Hubert recently sustained an injury that is
unrelated to his work. He expects to be disabled for some time and has contacted the Social
Security. Administration to file a claim for disability benefits. Hubert has always heard about
Social Security disability and looks forward to the relief it will delliserin Hubert was shocked to
leam the terms of qualifying for benefits: - First, he must be disobled: - Second, his disabi Ipated
to be at least - Third, he must be - Fourth, if he satist I requirements, his benefit is $2 , 500 per
month, but he must walt: for payments to begin. The monthly payn E retroactive. Hubert expects
to be disabied for 9 months. His benefits will be for manths for a total of . Hubert receive
benefits because he be disabled long enough to qualify for them. (Hint: If Hubert is not eilgible
for benefits; enter a "o" for the months and total benefit numeric entry boxes.) As you ancwver
the following questions about Soclal Security disability benefits, think about your wfe today and
how you would respond if you faced an extended period of disabiinty. Social Security Disability
Benefits Hubert recently sustained an injury that is unrelated to his work. He expects to be
disabied for some time and has contacted the Social Security Adminittration to file a claim for
disability benefits. Hubert has always heard about 50 c ia l 5 ecurity disability and looks forward
to the relief it will detiver. Hubert was shocked to iearn the terms of qualifying for benefits: -
First, he must be disabled. - Second, his disability must be anticipated to be at least - Thirdy he
must be unable to - Fourth, if he satisfies the preceding requirements, his be yer month, but he
must wait for payments to begin. The monthly payments retrosctive. Hubert expects to be
disabled for 9 montis, His benefits w months for a total of Hubert receive benofits because he be
disabied long enough to qualify for them. (Hint: If Hubert is not eligible for benefits; enter a "o"
for the months and total benefit numeric entry boxes.) As you answer the following questions
about Soclal security disabiility benefits, think about your wee coday and how you would
respond if you faced an extended period of disabinty. Social Security Disability Benefits Hubert
recently sustained an injury that is unrelated to his work: He expects to be disabled for some time
and has contacted the Social Security Administration to file a claim for disability benefits.
Hubert has always heard about Social Security disability and looks forward to the relief it will
deliver. Hybert was shocked to learn the terms of qualifying for benefits: - First, he must be
dscabled. - Second, his disability must be anticipated to be at least - Third, he must be unable to -
Fourth, if he satisfies the pre co0 ber menth, but he must wait for payments to begin. The
monthly payments Hubert expects to be disabled 1 recelve benefits loog enough to qualify for
them. (Hint: If Hubert is not eligbie for benefiss, enter a 0 for the months and total benefit
numeric entry boxes.) As you answer the following questions about Social Security disabiity
benefits, think about your me foday and how you would respond if you ficed an evtended period
of disabitity. Social 5 ecurity Disability Benefits Hubert recently sustained an injury that is
unrelated to his work, He expects to be disabled for same time and has contacted the Social

2. Security Administration to file s daims for disability benefits. Hubert bas always heard about
Social Security disability and looks forward to the retief it will detiver: Hubert was shocked to
learn the terms of cualifying for benefits1 - Firsti he must be disabled. - Second, hit disability
must be anticipoted to be at least - Third, he must be unable to - Fourthy If he satisfies the
preceding requilements, bis benefit is $2 , 500 per month, but he must wait for payments to
begin. The monthly payments retroactive. Hubert expects to be disabied for 9 months. His
benetits will be for. months for a total or Habert recelve benafits because he. be disabled long
enough to qualify for them. enter a "o* for the months and total benefit mumeric entry bexes.) As
you answer the folgming questions about Social Secunity disabwty benefits, think about your we
todrr and how you would respond if yau faced ae evtended peviod of disatily. Social Security
Disability Benefits Hubert recenty sustained an intury that is unelated to his worki he expects to
be disabled for some time and has contacted the Socal Seeurity Administretion to fie a ciaim for
disabiaty benefita. Hubert has always heard about Social Secyrity dicability and leoks forward to
the relief it will deliver. Hubect was shocked ta learn the terms of qualfying for benefits: * First,
ne niust be disabled. - Second, his disability must be anticipated to be at least. - Third, he must
be unable to - Fourth, if he satishes the precedng requiremenst, his benetit is $2.500 per mbith,
but he must wait for paymarks to begim. The monthy payments retroactive. Hubert expecti to be
disal nonths. His benents will be for months for a total of recelye be: dse he. be disabied long
enouphti to eualify for them. (hint: If Hybert is not efigibie for penetith. enter a mot for the
morvit Benent humenc entry bexes.) Hubert expects to be disabled for 9 months. His benefits
will be for months for a total of Hubert receive benefits because he be disabled long enough to
qualify for them. (Hint: If Hubert is not eligible for benefits, enter a " 0 for the months and total
beneft numeric entry boxes.) As you answer the following questions about extended period of
disability. Social Security Disability Benefits Hubert recently sustained an injury that is
unrelated to his work. He expects to be disabled for some time and has contacted the Social
Security Administration to file a claim for disability benefits. Hubert has always heard about
Social Security disability and looks forward to the relief it will dellver: Hubert was shocked to
learn the terms of qualifying for benefits: - First, he must be disabled. - Second, his disability
must be anticioated to be at least - Third, he must be unable to - Fourth. If he satisfies the
preceding requirements, his benefit is $2 , 500 per month, but he must wait for payments to
begin. hly payments retroactive. Acts to be disabled for 9 months. His benefits will be for
months for a total of recelve benefits because he be disabled long enough to qualify for them.
(Hint: If Hubert is not eligible for benefits; enter a 0 2 for the months and total benefit numeric
entry boxes.) As you answer the following questions about Sociai Security disability benents,
think about your wie today and how you would respond if you faced an extended period or
disability. Social Security Disability Benefits Hubert recently sustained an injury that is
unrelated to his work. He expects to be disabled for some time and has contacted the Soclal
Security Administration to fie a claim for disability benefits. Hubert has always heard about
Social Security disability and looks forward to the relief it will delives Hubert was shocked to
learn the terms of qualifying for benefits: - First, he must be disabled. - Second, his disability
must be anticipated to be at least - Third, he must be unable to. - Fourth, if he satisfies the
preceding requirements, his benefit is $2 , 500 per month, but he must wait: for payments to
begin. The monthly payments Hubert expects to be disabled for 9 months: 5 will be for months
for a total of - Hubert recelve benefits because he be disabied long enough to qualify for them.
(Hint: If Hubert is not eligible for benefits, enter a " 0 * for the months and total benefit numeric
entry boxes.)