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Eligibility for long-term incapacity insurance coverage varies relying on the coverage. Usually, people who’re employed or self-employed can buy particular person insurance policies, whereas group insurance policies are usually supplied as a part of an employer’s advantages package deal. Eligibility for advantages usually requires that the person meets the definition of incapacity as outlined by their coverage, offers medical documentation of their incapacity, and is unable to work as a result of their incapacity.
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