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Workers'

Workers' compensation: Workers' compensation offers payments to employees who are unable t

o work because of a job-related injury. However, workers' compensation is in fact more than just income insurance, because it may pay compensation for economic loss, reimbursement or payment of medical and like expenses, general damages for pain and suffering, and benefits payable to the dependents of workers killed during employment.

Was the disability incurred in the course of performing job-related duties? For example, workers' compensation policies are not obligated to pay claims for disability that is not job-related. Insurance for such risks can indeed be purchased, but because the risks are more inclusive, the premiums are

Veterans' benefits: The scope of each of these is limited. For example, the life insurance aspect is limited only to paying (rather small) survivors' benefits to survivors of veterans killed in the course of their service; it is not a general term life policy. Newsweek magazine's cover story for the issue of March 05, 2007 discusses the problems that American veterans of the wars in Afghanistan and Iraq are currently facing in receiving their VA benefits.

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What other insurance policies will pay claims for this event? For example, if an auto accident renders you unable to work for 5 months, your auto insurance policy with Company A may include coverage for lost income during this period. In this case, you may choose to make a claim with Company A and either (1) make another, secondary claim with Company B, who issues your disability income insurance, or (2) decide that the primary claim is enough and avoid making an unnecessary claim with Company B.

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