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Disability insurance is necessary, especially for those who are employed in physically demanding jobs. It is a way to make sure the employee will be taken care of in the unlikely circumstance that he or she be injured beyond capacity to work. After all, a lot of jobs are dependent on a person's overall health and well-being. There are different types of disability insurances. Still, most of them serve the same purpose: to assure the individual payments should he be unable to earn a living due to injury.


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