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Managing Disability Risks in an Environment of Individual Responsibility (PDF)
Employee Benefits Security Administration [EBSA], U.S. Department of Labor [DOL] 
May 14, 2012
2 pages. "As employer-sponsored retirement benefit programs have shifted from DB plans to [DC Plans], and as people have become more responsible for their own retirement planning, the responsibility to secure disability benefits has also shifted to employees/retirees. In the employment relationship context, the shift away from providing disability benefits through DB plans to providing the disability benefit through the use of employer-offered insurance has produced differences with respect to coverage, waiting periods, and gaps in coverage."
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