policy of the employer before the core and if there is it it's obvious what the reason is the reason is they got a clause in their plan that tries to get rid of any obligation to pay benefits if anyone else is paying agency including the government itself can compel itself in a way private individuals may not be able to for example there's a property interest that the constitution under the th amendment returned paul the question is not the purpose of the veterans benefits are very different than these other itemized benefit programs workers car and employer compensation and so forth we make there pretty clear in our head into the decision that disability coverage because if it occupies an important low cost alternative space in the employee benefit of the most employers could not provide disability coverage of the employees if they had to go out in the market and do the other alternative which is individual disability policies are much more expensive and are individually underwritten so you can't guarantee that any particular employee is going to get an individual disability policy another written based on health history and other coverage that's available for disability group known term disability policies are issued to employers and the all cost everybody who's within runs employer pays for that policy they designate a class  employees and everybody who is within their class of employee is covered regardless of their health history regardless of the work or other opportunities and they have income in the event of disability and so are you take care of that  put in other income that the provision that offsets those other sources of disability income really arise from the same disability which is that the cases here and when you do that you teeth the cost down so can provide their the benefits and then you prevent situations where someone can go out on disability and have enough sources of income that they actually make more the same as when they're working which obviously isn't yours problematic now how do you do that with that other income benefit provision you drafted very well on your drafted this this provision can cruise by my car at least three petrol phrases new territory some of these things are land there's no question about apply to any particular outside source of disability income five judges in this country as a rule by federal judges that compulsory benefit ackerman while he's running big u s and includes veterans disability benefit policy forum which has been around for quite a long time and so it takes time to get these policy forms amended the policy the drafting policy grafting situation as you go out you get more school insurance commissioners t proof forms is not an easy process it doesn't happen every day it doesn't happen every year it doesn't always even happen every decade so when you're trapped in these policies you've got to you've got to have broad provisions especially in the other income benefits here to cover things you may or may not know down the road and maybe just missed it but that's ok because they get enough petrol phrases to cover it and to cover other things like state disability was and other things that are mentioned specifically but provide twenty of the individual disability coverage they don't need the group disability coverage these are the most cost policies intended to provide benefits for people who go that don't have other sources going to other sources good for them but it's going to be reduced the benefit they get under that provision it doesn't appear anywhere in the dictionaries when you look at the word compulsory rd of all if it's not consistent with the rest of it provision there are several provisions of the other income benefit  of the policy that refer to government provided benefits the fact that compulsory benefit act or more are also provide applied to a government provided benefit just makes sense it should not be surprising but doesn't that cut cut the other way civil law like contempt that was the reason they go on to cite cases but in terms of what you're supposed to convey to the average person so the average person can understand the basis of your decision and the provision on the policy that there are that's what they w