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Medical problems contributed to 62% of all personal bankruptcies filed in the U.S. in 2007- an estimate of over 500,000. This is a 50% increase over results from a similar 2001 study.
Council for Disability Awareness - 2010
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When does the coverage become effective?

You become eligible for benefits under the plan on the first day of the month following the pay period from which an allotment has been taken.