Disability insurance expert witnesses often have experience in areas such as liability insurance, life insurance, casualty insurance, or property insurance. If an individual is unable to work due to an unforeseen illness or accident and has no means of financial support, he or she may be eligible for disability insurance. This type of insurance is provided as a way of ensuring financial stability until the individual in question is able to return to work. Depending on the situation, the disability insurance may be provided by the government, employer, or insurance company.
Because an individual may not be able to perform work on a fulltime schedule following a health-related incident, the government implements disability insurance programs, which is given in place of the normal wages the individual in question would otherwise earn if he or she were still working. This program is beneficial in that it does not rely on an employer to provide these benefits, especially in a case during which the disabled person is unemployed, but still seeking work.
Workers compensation is also a form of disability insurance if the person in question has become disabled due to an incident directly related to work or taking place within a work environment. The employer provides workers compensation to the disabled employee with the agreement that the worker will not file a lawsuit against the employer.
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