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Almost two-thirds of wage earners believe they have a 2% or less chance of being disabled for 3 months or more during their working career, but the actual odds for a worker entering the workforce today are about 25%.

 

Social Security Admin, Fact Sheet 2/7/2013
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Q: How do I pay for the plan?

Premiums are paid bi-weekly from your paycheck through salary allotment. Monthly-paid employees would pay monthly. All premiums are after-tax.