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Disability income is the money that a person receives when he or she has been rendered unable to work in a normal capacity due to an injury or illness. There are many different forms of disability income, some through private insurance and others through federal programs. You can get either long-term or short-term disability insurance for private insurers or employers, depending on your vocation. On the federal level, there are programs for Social Security and welfare offices, and these are known as Social Security Disability Insurance and Supplemental Security Income, respectively. The programs that you are eligible for on the federal level depend on your income, the nature of your disability, and the amount of time that you put into working prior to your disability.


Long-term care is defined as the variety of services that are required to keep an individual alive and healthy after a life-changing injury or illness has rendered that individual disabled. There are many different forms of long-term care, which can include such services as live-in nurses, hospital expenses, nursing home payments, and more. The kind of long-term care that is necessary depends on the scope of the disability of the individual in question. There are also a variety of expenses that are incurred depending on the kind of long-term care that is purchased.


A life insurance policy is a contract with an insurance company. In exchange for premiums (payments), the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries in the event of the insured's death. Typically, life insurance is chosen based on the needs and goals of the owner. Term life insurance generally provides protection for a set period of time, while permanent insurance, such as whole and universal life, provides lifetime coverage. It's important to note that death benefits from all types of life insurance are generally income tax-free.

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