Disability insurance is making headlines lately. A recent podcast of Chicago's National Public Radio affiliate's "This American Life" highlighted the growing number of Americans receiving federal disability compensation. According to the report, the number has almost doubled in the last 15 years to 14 million Americans. It surmises that lack of education and the culture in particular sections of the country, including the disability law industry, have affected the numbers.

In April, The Wall Street Journal looked at the difference between federal and private long-term disability insurance. While only 0.5% of government disability recipients return to work, nearly 20% of private LTD workers do. So with a greater success rate than the government and nearly 100 million American workers not on private disability insurance, according to the Council for Disability Awareness, what lies ahead for this voluntary product?

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