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In 2012 and 2013, Unum partnered with the Consumer Federation of America to release reports which examined the use of disability insurance by American workers. [40] [41] According to numbers released by the Bureau of Labor Statistics that were cited by the report, two-thirds of American workers do not carry disability insurance policies. [42]
Disability insurance protects you and your whole family when an unexpected event prevents you from working. The Council for Disability Awareness reports that 1 in 4 of today’s 20-year-olds will ...
While the Social Security Administration does not use VA disability ratings per se, it will examine VA medical records as part of the applicant's medical information. In addition, individuals who are rated 100 percent disabled by the VA will receive fast-track review of their cases by SSA if they apply for SSDI. [50]
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It is licensed in 49 states and Washington, DC. In New York it has Standard Life Insurance Company of New York. The average loan-to-value ratio on new loans was 64 percent in 2008. Standard Insurance Company has maintained an “A” rating or higher from A.M. Best Company since 1928. Assets $14.56 billion (March 31, 2009). 3,400 employees in 2008.
SSA decisions are issued by Administrative Law Judges and Senior Attorney Adjudicators (supported by about 6,000 staff employees) at locations throughout the United States of the U.S. Office of Hearing Operations, formerly Office of Disability Adjudication and Review (ODAR), who hear and decide challenges to SSA decisions.
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