Disability insurance was set up for a specific purpose, to provide compensation for workers who are injured on the job, maybe even permanently. But as with any program where there is money involved, it has been twisted (or perverted if you would) into something that represents a money making machine but who does it benefit?
Most attorneys who represent a client of this type take 1/3 of the settlement. When you consider the statistics, in 2014 loss wages compensation accounted for $30.9 billion, making the lawyer side of this business a $10 Billion industry. Discuss if you feel this is fair. Consider it from all sides as the tax payers (you), the injured worker, and the employer. Should the fees be capped? Should cases be categorized insofar as settlement amount? What should be different, if anything? Back up your opinions with references and in-text citations to course readings, lectures or external articles.