Disability insurance is making headlines. A recent podcast of WBEZ Chicago's "This American Life" highlighted the growing number of Americans receiving federal disability compensation. According to the report by NPR's Chana Joffe-Walt, the number has almost doubled in the last 15 years to 14 million Americans. In April, The Wall Street Journal looked at the difference between federal and private long-term disability insurance. Leslie Scism reported that while only 0.5% of government disability recipients return to work again, nearly 20% of private LTD workers do.

So with a greater success rate than the government and nearly 100 million American workers not having private disability insurance, according to the Council for Disability Awareness, what lies ahead?

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