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What is disability insurance benefits (DIB)?
Disability insurance benefits is what most people think of when they are referring to social security. An employee contributes money toward social security on each paycheck that he receives. The contributions establish quarters of coverage. the key to receipt of DIB benefits rests with the term quarters of coverage. An employee must reach 20 out of 40 quarters to have an insured status. Most attorneys explain the insured status as having to work five out of the last ten years. Benefits are based upon a person's past earnings.
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