Consider this item from a March 2012 RAND Corp. report:

“The onset of a work-limiting disability sets in motion a series of events that, for a growing number of workers, ends in early retirement from the labor force. … How workers and their employers adapt to the onset of disability is important.  A policy that requires employers to provide private disability insurance benefits in the first two years after disability onset may be one way to encourage firms to take greater steps to rehabilitate and accommodate disabled workers.”

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