Corrections and Clarifications: A previous version of this story misstated what type of policy is considered the gold standard of disability insurance. He also distorted how a person’s youth affects their ability to buy a policy. The risks of being unable to work due to accidental illness or injury are …

Thousands of people deprived of federal disability benefits die each year while waiting for their chance to appeal the decision. In 2018, Congress approved $ 90 million in additional funding for the Social Security Administration to reduce the backlog of people waiting to argue in court that they have been …