{"id":10920,"date":"2023-10-11T06:19:42","date_gmt":"2023-10-11T06:19:42","guid":{"rendered":"https:\/\/www.narayanseva.org\/?p=10920"},"modified":"2026-05-19T11:25:06","modified_gmt":"2026-05-19T11:25:06","slug":"the-ultimate-guide-to-disability-insurance-what-you-need-to-know","status":"publish","type":"post","link":"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/","title":{"rendered":"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0abe \u0aae\u0abe\u0a9f\u0ac7\u0aa8\u0ac0 \u0a85\u0a82\u0aa4\u0abf\u0aae \u0aae\u0abe\u0ab0\u0acd\u0a97\u0aa6\u0ab0\u0acd\u0ab6\u0abf\u0a95\u0abe: \u0aa4\u0aae\u0abe\u0ab0\u0ac7 \u0ab6\u0ac1\u0a82 \u0a9c\u0abe\u0aa3\u0ab5\u0abe\u0aa8\u0ac0 \u0a9c\u0ab0\u0ac2\u0ab0 \u0a9b\u0ac7"},"content":{"rendered":"

\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe<\/span> \u0ab5\u0ac0\u0aae\u0acb<\/span> \u0a8f<\/span> \u0ab0\u0a95\u0acd\u0ab7\u0aa3\u0aa8\u0ac1\u0a82<\/span> \u0a8f\u0a95<\/span> \u0aae\u0ab9\u0aa4\u0acd\u0ab5\u0aaa\u0ac2\u0ab0\u0acd\u0aa3<\/span> \u0ab8\u0acd\u0ab5\u0ab0\u0ac2\u0aaa<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0aa4\u0ac7<\/span> \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe\u0aa8\u0abe<\/span> \u0a95\u0abf\u0ab8\u0acd\u0ab8\u0abe\u0aae\u0abe\u0a82<\/span> \u0aa8\u0abe\u0aa3\u0abe\u0a95\u0ac0\u0aaf<\/span> \u0ab8\u0ab9\u0abe\u0aaf<\/span> \u0a85\u0aa8\u0ac7<\/span> \u0aae\u0abe\u0aa8\u0ab8\u0abf\u0a95<\/span> \u0ab6\u0abe\u0a82\u0aa4\u0abf<\/span> \u0aaa\u0acd\u0ab0\u0aa6\u0abe\u0aa8<\/span> \u0a95\u0ab0\u0ac0<\/span> \u0ab6\u0a95\u0ac7<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0aad\u0ab2\u0ac7<\/span> \u0aa4\u0aae\u0abe\u0ab0\u0ac0<\/span> \u0aaa\u0abe\u0ab8\u0ac7<\/span> \u0ab6\u0abe\u0ab0\u0ac0\u0ab0\u0abf\u0a95<\/span> \u0ab0\u0ac0\u0aa4\u0ac7<\/span> \u0aae\u0ac1\u0ab6\u0acd\u0a95\u0ac7\u0ab2<\/span> \u0aa8\u0acb\u0a95\u0ab0\u0ac0<\/span> \u0ab9\u0acb\u0aaf<\/span> \u0a95\u0ac7<\/span> \u0aac\u0ac7\u0aa0\u0abe\u0aa1\u0ac1<\/span> \u0ab5\u0acd\u0aaf\u0ab5\u0ab8\u0abe\u0aaf<\/span> \u0ab9\u0acb\u0aaf<\/span>, <\/span>\u0a86<\/span> \u0ab5\u0ac0\u0aae\u0acb<\/span> \u0a96\u0abe\u0aa4\u0ab0\u0ac0<\/span> \u0a95\u0ab0\u0ac7<\/span> \u0a9b\u0ac7<\/span> \u0a95\u0ac7<\/span> \u0aa4\u0aae\u0ac7<\/span> \u0a86\u0ab0\u0acd\u0aa5\u0abf\u0a95<\/span> \u0ab0\u0ac0\u0aa4\u0ac7<\/span> \u0ab8\u0ac1\u0ab0\u0a95\u0acd\u0ab7\u0abf\u0aa4<\/span> \u0a9b\u0acb<\/span>. <\/span>\u0a9c\u0acb<\/span> \u0aa4\u0aae\u0ac7<\/span> \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe\u0aa8\u0ac7<\/span> \u0a95\u0abe\u0ab0\u0aa3\u0ac7<\/span> \u0a95\u0abe\u0aae<\/span> \u0a95\u0ab0\u0ac0<\/span> \u0ab6\u0a95\u0aa4\u0abe<\/span> \u0aa8\u0aa5\u0ac0<\/span>, <\/span>\u0aa4\u0acb<\/span> \u0aa4\u0ac7<\/span> \u0aa4\u0aae\u0abe\u0ab0\u0ac1\u0a82<\/span> \u0ab0\u0a95\u0acd\u0ab7\u0aa3<\/span> \u0a95\u0ab0\u0ac7<\/span> \u0a9b\u0ac7<\/span>.<\/span><\/p>\n

\u0a86<\/span> \u0ab5\u0acd\u0aaf\u0abe\u0aaa\u0a95<\/span> \u0aae\u0abe\u0ab0\u0acd\u0a97\u0aa6\u0ab0\u0acd\u0ab6\u0abf\u0a95\u0abe\u0aae\u0abe\u0a82<\/span>, <\/span>\u0a85\u0aae\u0ac7<\/span> \u0ab5\u0abf\u0a95\u0ab2\u0abe\u0a82\u0a97\u0aa4\u0abe<\/span> \u0ab5\u0ac0\u0aae\u0abe<\/span> \u0ab5\u0abf\u0ab6\u0ac7<\/span> \u0aa4\u0aae\u0abe\u0ab0\u0ac7<\/span> \u0a9c\u0ac7<\/span> \u0a9c\u0abe\u0aa3\u0ab5\u0abe\u0aa8\u0ac0<\/span> \u0a9c\u0ab0\u0ac2\u0ab0<\/span> \u0a9b\u0ac7<\/span> \u0aa4\u0ac7<\/span> \u0aac\u0aa7\u0ac1\u0a82<\/span> \u0ab6\u0acb\u0aa7\u0ac0\u0ab6\u0ac1\u0a82<\/span>. <\/span>\u0a85\u0aae\u0ac7<\/span> \u0aa4\u0ac7\u0aa8\u0ac1\u0a82<\/span> \u0aae\u0ab9\u0aa4\u0acd\u0ab5<\/span>, <\/span>\u0a89\u0aaa\u0ab2\u0aac\u0acd\u0aa7<\/span> \u0aaa\u0acd\u0ab0\u0a95\u0abe\u0ab0\u0acb<\/span> \u0a85\u0aa8\u0ac7<\/span> \u0aa4\u0aae\u0abe\u0ab0\u0ac0<\/span> \u0a9c\u0ab0\u0ac2\u0ab0\u0abf\u0aaf\u0abe\u0aa4\u0acb<\/span> \u0aae\u0abe\u0a9f\u0ac7<\/span> \u0aaf\u0acb\u0a97\u0acd\u0aaf<\/span> \u0aaa\u0acb\u0ab2\u0abf\u0ab8\u0ac0<\/span> \u0a95\u0ac7\u0ab5\u0ac0<\/span> \u0ab0\u0ac0\u0aa4\u0ac7<\/span> \u0aaa\u0ab8\u0a82\u0aa6<\/span> \u0a95\u0ab0\u0ab5\u0ac0<\/span> \u0aa4\u0ac7<\/span> \u0a86\u0ab5\u0ab0\u0ac0<\/span> \u0ab2\u0a88\u0ab6\u0ac1\u0a82<\/span>.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe<\/span><\/b> <\/b>\u0ab5\u0ac0\u0aae\u0acb<\/span><\/b> <\/b>\u0ab6\u0abe<\/span><\/b> <\/b>\u0aae\u0abe\u0a9f\u0ac7<\/span><\/b> <\/b>\u0aae\u0ab9\u0aa4\u0acd\u0ab5\u0aaa\u0ac2\u0ab0\u0acd\u0aa3<\/span><\/b> <\/b>\u0a9b\u0ac7<\/span><\/b>?<\/span><\/b><\/h2>\n

\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe<\/span> \u0ab5\u0ac0\u0aae\u0acb<\/span> \u0ab8\u0ab2\u0abe\u0aae\u0aa4\u0ac0<\/span> \u0a9c\u0abe\u0ab3<\/span> \u0aa4\u0ab0\u0ac0\u0a95\u0ac7<\/span> \u0a95\u0abe\u0aae<\/span> \u0a95\u0ab0\u0ac7<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0a9c\u0acb<\/span> \u0aa4\u0aae\u0ac7<\/span> \u0a85\u0aaa\u0a82\u0a97<\/span> \u0aa5\u0abe\u0a93<\/span> \u0a85\u0aa8\u0ac7<\/span> \u0a95\u0aae\u0abe\u0aa3\u0ac0<\/span> \u0a95\u0ab0\u0ab5\u0abe\u0aae\u0abe\u0a82<\/span> \u0a85\u0ab8\u0aae\u0ab0\u0acd\u0aa5<\/span> \u0ab9\u0acb\u0ab5<\/span> \u0aa4\u0acb<\/span> \u0aa4\u0ac7<\/span> \u0aa4\u0aae\u0aa8\u0ac7<\/span> \u0a85\u0aa8\u0ac7<\/span> \u0aa4\u0aae\u0abe\u0ab0\u0abe<\/span> \u0aaa\u0acd\u0ab0\u0abf\u0aaf\u0a9c\u0aa8\u0acb\u0aa8\u0ac7<\/span> \u0aa8\u0abe\u0aa3\u0abe\u0a95\u0ac0\u0aaf<\/span> \u0aae\u0ac1\u0ab6\u0acd\u0a95\u0ac7\u0ab2\u0ac0\u0a93\u0aa5\u0ac0<\/span> \u0ab0\u0a95\u0acd\u0ab7\u0aa3<\/span> \u0a86\u0aaa\u0ac7<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0a98\u0aa3\u0abe<\/span> \u0ab2\u0acb\u0a95\u0acb<\/span> \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe\u0aa8\u0abe<\/span> \u0a9c\u0acb\u0a96\u0aae\u0aa8\u0ac7<\/span> \u0a93\u0a9b\u0acb<\/span> \u0a85\u0a82\u0aa6\u0abe\u0a9c<\/span> \u0a86\u0aaa\u0ac7<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0aa4\u0ac7\u0a93<\/span> \u0a98\u0aa3\u0ac0\u0ab5\u0abe\u0ab0<\/span> \u0aa7\u0abe\u0ab0\u0ac7<\/span> \u0a9b\u0ac7<\/span> \u0a95\u0ac7<\/span> \u0aa4\u0ac7<\/span> \u0aab\u0a95\u0acd\u0aa4<\/span> \u0a85\u0aa8\u0acd\u0aaf<\/span> \u0ab2\u0acb\u0a95\u0acb<\/span> \u0ab8\u0abe\u0aa5\u0ac7<\/span> \u0a9c<\/span> \u0aa5\u0abe\u0aaf<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0a9c\u0acb<\/span> \u0a95\u0ac7<\/span>, <\/span>\u0ab5\u0abe\u0ab8\u0acd\u0aa4\u0ab5\u0abf\u0a95\u0aa4\u0abe<\/span> \u0a8f<\/span> \u0a9b\u0ac7<\/span> \u0a95\u0ac7<\/span> \u0a95\u0acb\u0a88\u0aaa\u0aa3<\/span> \u0ab5\u0acd\u0aaf\u0a95\u0acd\u0aa4\u0abf<\/span> \u0a97\u0aae\u0ac7<\/span> \u0aa4\u0acd\u0aaf\u0abe\u0ab0\u0ac7<\/span> \u0a85\u0aaa\u0a82\u0a97<\/span> \u0aac\u0aa8\u0ac0<\/span> \u0ab6\u0a95\u0ac7<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0a86<\/span> \u0a85\u0a95\u0ab8\u0acd\u0aae\u0abe\u0aa4\u0acb<\/span>, <\/span>\u0aac\u0ac0\u0aae\u0abe\u0ab0\u0ac0\u0a93<\/span> \u0a85\u0aa5\u0ab5\u0abe<\/span> \u0a85\u0aa8\u0acd\u0aaf<\/span> \u0a85\u0aa3\u0aa7\u0abe\u0ab0\u0acd\u0aaf\u0abe<\/span> \u0ab8\u0a82\u0a9c\u0acb\u0a97\u0acb\u0aa8\u0ac7<\/span> \u0a95\u0abe\u0ab0\u0aa3\u0ac7<\/span> \u0aa5\u0a88<\/span> \u0ab6\u0a95\u0ac7<\/span> \u0a9b\u0ac7<\/span>.<\/span><\/p>\n

\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe<\/span> \u0ab5\u0ac0\u0aae\u0abe<\/span> \u0ab5\u0abf\u0aa8\u0abe<\/span>, <\/span>\u0aa4\u0aae\u0aa8\u0ac7<\/span> \u0aa4\u0aae\u0abe\u0ab0\u0ac0<\/span> \u0aa8\u0abe\u0aa3\u0abe\u0a95\u0ac0\u0aaf<\/span> \u0a9c\u0ab5\u0abe\u0aac\u0aa6\u0abe\u0ab0\u0ac0\u0a93<\/span> \u0aaa\u0ac2\u0ab0\u0ac0<\/span> \u0a95\u0ab0\u0ab5\u0abe\u0aae\u0abe\u0a82<\/span> \u0aae\u0ac1\u0ab6\u0acd\u0a95\u0ac7\u0ab2\u0ac0<\/span> \u0aaa\u0aa1\u0ac0<\/span> \u0ab6\u0a95\u0ac7<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0aa4\u0aae\u0aa8\u0ac7<\/span> \u0aa4\u0aac\u0ac0\u0aac\u0ac0<\/span> \u0a96\u0ab0\u0acd\u0a9a\u0abe\u0a93\u0aa8\u0ac7<\/span> \u0a86\u0ab5\u0ab0\u0ac0<\/span> \u0ab2\u0ac7\u0ab5\u0abe<\/span> \u0a85\u0aa5\u0ab5\u0abe<\/span> \u0aa4\u0aae\u0abe\u0ab0\u0abe<\/span> \u0a9c\u0ac0\u0ab5\u0aa8\u0aa8\u0ac0<\/span> \u0a97\u0ac1\u0aa3\u0ab5\u0aa4\u0acd\u0aa4\u0abe<\/span> \u0a9c\u0abe\u0ab3\u0ab5\u0ab5\u0abe\u0aae\u0abe\u0a82<\/span> \u0aae\u0ac1\u0ab6\u0acd\u0a95\u0ac7\u0ab2\u0ac0<\/span> \u0aaa\u0aa1\u0ac0<\/span> \u0ab6\u0a95\u0ac7<\/span> \u0a9b\u0ac7<\/span>.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe<\/span><\/b> <\/b>\u0ab5\u0ac0\u0aae\u0abe\u0aa8\u0abe<\/span><\/b> <\/b>\u0aaa\u0acd\u0ab0\u0a95\u0abe\u0ab0\u0acb<\/span><\/b><\/h2>\n

\u0ab2\u0abe\u0a82\u0aac\u0abe<\/span> \u0a97\u0abe\u0ab3\u0abe\u0aa8\u0abe<\/span> \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe<\/span> \u0ab5\u0ac0\u0aae\u0abe<\/span> (LTDI) <\/span>\u0a85\u0aa8\u0ac7<\/span> \u0a9f\u0ac2\u0a82\u0a95\u0abe<\/span> \u0a97\u0abe\u0ab3\u0abe\u0aa8\u0abe<\/span> \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe<\/span> \u0ab5\u0ac0\u0aae\u0abe<\/span> (STDI) <\/span>\u0a8f<\/span> \u0aac\u0ac7<\/span> \u0aae\u0ac1\u0a96\u0acd\u0aaf<\/span> \u0aaa\u0acd\u0ab0\u0a95\u0abe\u0ab0\u0aa8\u0abe<\/span> \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe<\/span> \u0ab5\u0ac0\u0aae\u0abe<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0a9f\u0ac2\u0a82\u0a95\u0abe<\/span><\/b> <\/b>\u0a97\u0abe\u0ab3\u0abe\u0aa8\u0abe<\/span><\/b> <\/b>\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe<\/span><\/b> <\/b>\u0ab5\u0ac0\u0aae\u0abe<\/span><\/b> <\/b>\u0aae\u0ab0\u0acd\u0aaf\u0abe\u0aa6\u0abf\u0aa4<\/span> \u0ab8\u0aae\u0aaf\u0a97\u0abe\u0ab3\u0abe<\/span> \u0aae\u0abe\u0a9f\u0ac7<\/span>, <\/span>\u0ab8\u0abe\u0aae\u0abe\u0aa8\u0acd\u0aaf<\/span> \u0ab0\u0ac0\u0aa4\u0ac7<\/span> \u0a9b<\/span> \u0aae\u0ab9\u0abf\u0aa8\u0abe<\/span> \u0ab8\u0ac1\u0aa7\u0ac0<\/span> \u0a95\u0ab5\u0ab0\u0ac7\u0a9c<\/span> \u0aaa\u0ac2\u0ab0\u0ac1\u0a82<\/span> \u0aaa\u0abe\u0aa1\u0ac7<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0aa4\u0ac7<\/span> \u0a95\u0abe\u0aae\u0a9a\u0ab2\u0abe\u0a89<\/span> \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe<\/span> \u0aa6\u0ab0\u0aae\u0abf\u0aaf\u0abe\u0aa8<\/span> \u0aa4\u0aae\u0abe\u0ab0\u0ac0<\/span> \u0a86\u0ab5\u0a95\u0aa8\u0abe<\/span> \u0a8f\u0a95<\/span> \u0aad\u0abe\u0a97\u0aa8\u0ac7<\/span> \u0aac\u0aa6\u0ab2\u0ab5\u0abe<\/span> \u0aae\u0abe\u0a9f\u0ac7<\/span> \u0ab0\u0a9a\u0abe\u0aaf\u0ac7\u0ab2<\/span> \u0a9b\u0ac7<\/span>.<\/span><\/p>\n

\u0aac\u0ac0\u0a9c\u0ac0<\/span> \u0aac\u0abe\u0a9c\u0ac1<\/span>, <\/span>\u0ab2\u0abe\u0a82\u0aac\u0abe<\/span><\/b> <\/b>\u0a97\u0abe\u0ab3\u0abe\u0aa8\u0acb<\/span><\/b> <\/b>\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe<\/span><\/b> <\/b>\u0ab5\u0ac0\u0aae\u0acb<\/span><\/b> <\/b>\u0ab2\u0abe\u0a82\u0aac\u0abe<\/span><\/b> <\/b>\u0a97\u0abe\u0ab3\u0abe<\/span><\/b> <\/b>\u0aae\u0abe\u0a9f\u0ac7<\/span><\/b> <\/b>\u0a95\u0ab5\u0ab0\u0ac7\u0a9c<\/span><\/b> <\/b>\u0a86\u0aaa\u0ac7<\/span><\/b> <\/b>\u0a9b\u0ac7<\/span><\/b>. <\/span><\/b>\u0a86<\/span><\/b> <\/b>\u0ab8\u0a82\u0aad\u0ab5\u0abf\u0aa4<\/span><\/b> <\/b>\u0ab0\u0ac0\u0aa4\u0ac7<\/span><\/b> <\/b>\u0aa8\u0abf\u0ab5\u0ac3\u0aa4\u0acd\u0aa4\u0abf<\/span><\/b> <\/b>\u0ab5\u0aaf<\/span><\/b> <\/b>\u0ab8\u0ac1\u0aa7\u0ac0<\/span><\/b> <\/b>\u0a9a\u0abe\u0ab2\u0ac7<\/span><\/b> <\/b>\u0a9b\u0ac7<\/span><\/b>. <\/span><\/b>\u0aa4\u0ac7<\/span><\/b> <\/b>\u0ab5\u0aa7\u0ac1<\/span><\/b> <\/b>\u0ab5\u0acd\u0aaf\u0abe\u0aaa\u0a95<\/span><\/b> <\/b>\u0ab8\u0acd\u0aa4\u0ab0\u0aa8\u0ac1\u0a82<\/span><\/b> <\/b>\u0ab0\u0a95\u0acd\u0ab7\u0aa3<\/span><\/b> <\/b>\u0aaa\u0ac2\u0ab0\u0ac1\u0a82<\/span><\/b> <\/b>\u0aaa\u0abe\u0aa1\u0ac7<\/span><\/b> <\/b>\u0a9b\u0ac7<\/span><\/b>. <\/span><\/b>\u0a9c\u0acb<\/span><\/b> <\/b>\u0aa4\u0aae\u0ac7<\/span><\/b> <\/b>\u0ab2\u0abe\u0a82\u0aac\u0abe<\/span><\/b> <\/b>\u0a97\u0abe\u0ab3\u0abe<\/span><\/b> <\/b>\u0aae\u0abe\u0a9f\u0ac7<\/span><\/b> <\/b>\u0a95\u0abe\u0aae<\/span><\/b> <\/b>\u0a95\u0ab0\u0ab5\u0abe\u0aae\u0abe\u0a82<\/span><\/b> <\/b>\u0a85\u0ab8\u0aae\u0ab0\u0acd\u0aa5<\/span><\/b> <\/b>\u0ab9\u0acb\u0ab5<\/span><\/b> <\/b>\u0aa4\u0acb<\/span><\/b> <\/b>\u0aa4\u0ac7<\/span><\/b> <\/b>\u0aa4\u0aae\u0abe\u0ab0\u0ac0<\/span><\/b> <\/b>\u0a86\u0ab5\u0a95\u0aa8\u0abe<\/span><\/b> <\/b>\u0a9f\u0a95\u0abe\u0ab5\u0abe\u0ab0\u0ac0\u0aa8\u0ac7<\/span><\/b> <\/b>\u0aac\u0aa6\u0ab2\u0ac7<\/span><\/b> <\/b>\u0a9b\u0ac7<\/span><\/b>.<\/span><\/b><\/p>\n

\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe<\/span> \u0ab5\u0ac0\u0aae\u0abe<\/span> \u0aaa\u0ac9\u0ab2\u0abf\u0ab8\u0ac0<\/span> \u0aaa\u0ab8\u0a82\u0aa6<\/span> \u0a95\u0ab0\u0aa4\u0ac0<\/span> \u0ab5\u0a96\u0aa4\u0ac7<\/span> \u0ab6\u0ac1\u0a82<\/span> \u0aa7\u0acd\u0aaf\u0abe\u0aa8\u0aae\u0abe\u0a82<\/span> \u0ab2\u0ac7\u0ab5\u0ac1\u0a82<\/span><\/p>\n

\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe<\/span><\/b> <\/b>\u0ab5\u0ac0\u0aae\u0abe<\/span><\/b> <\/b>\u0aaa\u0ac9\u0ab2\u0abf\u0ab8\u0ac0<\/span><\/b> <\/b>\u0aaa\u0ab8\u0a82\u0aa6<\/span><\/b> <\/b>\u0a95\u0ab0\u0aa4\u0ac0<\/span><\/b> <\/b>\u0ab5\u0a96\u0aa4\u0ac7<\/span><\/b>, <\/span><\/b>\u0a98\u0aa3\u0abe<\/span><\/b> <\/b>\u0aaa\u0ab0\u0abf\u0aac\u0ab3\u0acb<\/span><\/b> <\/b>\u0aa7\u0acd\u0aaf\u0abe\u0aa8\u0aae\u0abe\u0a82<\/span><\/b> <\/b>\u0ab2\u0ac7\u0ab5\u0abe<\/span><\/b> <\/b>\u0a9c\u0acb\u0a88\u0a8f<\/span><\/b>. <\/span><\/b>\u0a86\u0aae\u0abe\u0a82<\/span><\/b> <\/b>\u0ab6\u0abe\u0aae\u0ac7\u0ab2<\/span><\/b> <\/b>\u0a9b\u0ac7<\/span><\/b>:<\/span><\/b><\/p>\n

\u0a95\u0ab5\u0ab0\u0ac7\u0a9c<\/span><\/b> <\/b>\u0ab0\u0a95\u0aae<\/span><\/b>: <\/span><\/b>\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe\u0aa8\u0abe<\/span> \u0a95\u0abf\u0ab8\u0acd\u0ab8\u0abe\u0aae\u0abe\u0a82<\/span> \u0aaa\u0acb\u0ab2\u0abf\u0ab8\u0ac0<\/span> \u0aa4\u0aae\u0abe\u0ab0\u0ac0<\/span> \u0a86\u0ab5\u0a95\u0aa8\u0abe<\/span> \u0a95\u0ac7\u0a9f\u0ab2\u0abe<\/span> \u0a9f\u0a95\u0abe<\/span> \u0aac\u0aa6\u0ab2\u0ab6\u0ac7<\/span> \u0aa4\u0ac7<\/span> \u0aa8\u0a95\u0acd\u0a95\u0ac0<\/span> \u0a95\u0ab0\u0acb<\/span>. <\/span>\u0aa4\u0aae\u0abe\u0ab0\u0abe<\/span> \u0ab5\u0ab0\u0acd\u0aa4\u0aae\u0abe\u0aa8<\/span> \u0a96\u0ab0\u0acd\u0a9a<\/span> \u0a85\u0aa8\u0ac7<\/span> \u0aa8\u0abe\u0aa3\u0abe\u0a95\u0ac0\u0aaf<\/span> \u0a9c\u0ab5\u0abe\u0aac\u0aa6\u0abe\u0ab0\u0ac0\u0a93<\/span> \u0aa7\u0acd\u0aaf\u0abe\u0aa8\u0aae\u0abe\u0a82<\/span> \u0ab2\u0acb<\/span>. <\/span>\u0a86<\/span> \u0a96\u0abe\u0aa4\u0ab0\u0ac0<\/span> \u0a95\u0ab0\u0ac7<\/span> \u0a9b\u0ac7<\/span> \u0a95\u0ac7<\/span> \u0a95\u0ab5\u0ab0\u0ac7\u0a9c<\/span> \u0aaa\u0ac2\u0ab0\u0aa4\u0ac1\u0a82<\/span> \u0a9b\u0ac7<\/span>.<\/span><\/p>\n

\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe\u0aa8\u0ac0<\/span><\/b> <\/b>\u0ab5\u0acd\u0aaf\u0abe\u0a96\u0acd\u0aaf\u0abe<\/span><\/b>: <\/span><\/b>\u0aa8\u0ac0\u0aa4\u0abf<\/span> \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe\u0aa8\u0ac7<\/span> \u0a95\u0ac7\u0ab5\u0ac0<\/span> \u0ab0\u0ac0\u0aa4\u0ac7<\/span> \u0ab5\u0acd\u0aaf\u0abe\u0a96\u0acd\u0aaf\u0abe\u0aaf\u0abf\u0aa4<\/span> \u0a95\u0ab0\u0ac7<\/span> \u0a9b\u0ac7<\/span> \u0aa4\u0ac7<\/span> \u0ab8\u0aae\u0a9c\u0acb<\/span>. <\/span>\u0a95\u0ac7\u0a9f\u0ab2\u0ac0\u0a95<\/span> \u0aa8\u0ac0\u0aa4\u0abf\u0a93\u0aae\u0abe\u0a82<\/span> \u0a95\u0aa1\u0a95<\/span> \u0ab5\u0acd\u0aaf\u0abe\u0a96\u0acd\u0aaf\u0abe\u0a93<\/span> \u0ab9\u0acb\u0aaf<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0a86<\/span> \u0aae\u0abe\u0a9f\u0ac7<\/span> \u0aa4\u0aae\u0abe\u0ab0\u0ac7<\/span> \u0a95\u0acb\u0a88\u0aaa\u0aa3<\/span> \u0ab5\u0acd\u0aaf\u0ab5\u0ab8\u0abe\u0aaf<\/span> \u0a95\u0ab0\u0ab5\u0abe\u0aae\u0abe\u0a82<\/span> \u0a85\u0ab8\u0aae\u0ab0\u0acd\u0aa5<\/span> \u0ab9\u0acb\u0ab5\u0ac1\u0a82<\/span> \u0a9c\u0ab0\u0ac2\u0ab0\u0ac0<\/span> \u0ab9\u0acb\u0a88<\/span> \u0ab6\u0a95\u0ac7<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0a85\u0aa8\u0acd\u0aaf<\/span> \u0aa8\u0ac0\u0aa4\u0abf\u0a93<\/span> \u0aab\u0a95\u0acd\u0aa4<\/span> \u0aa4\u0acd\u0aaf\u0abe\u0ab0\u0ac7<\/span> \u0a9c<\/span> \u0aa4\u0aae\u0aa8\u0ac7<\/span> \u0a86\u0ab5\u0ab0\u0ac0<\/span> \u0ab6\u0a95\u0ac7<\/span> \u0a9b\u0ac7<\/span> \u0a9c\u0acb<\/span> \u0aa4\u0aae\u0ac7<\/span> \u0aa4\u0aae\u0abe\u0ab0\u0ac1\u0a82<\/span> \u0a9a\u0acb\u0a95\u0acd\u0a95\u0ab8<\/span> \u0a95\u0abe\u0ab0\u0acd\u0aaf<\/span> \u0a95\u0ab0\u0ac0<\/span> \u0ab6\u0a95\u0aa4\u0abe<\/span> \u0aa8\u0aa5\u0ac0<\/span>.<\/span><\/p>\n

\u0ab0\u0abe\u0ab9<\/span><\/b> <\/b>\u0a9c\u0acb\u0ab5\u0abe\u0aa8\u0acb<\/span><\/b> <\/b>\u0ab8\u0aae\u0aaf\u0a97\u0abe\u0ab3\u0acb<\/span><\/b>: <\/span><\/b>\u0ab0\u0abe\u0ab9<\/span> \u0a9c\u0acb\u0ab5\u0abe\u0aa8\u0acb<\/span> \u0ab8\u0aae\u0aaf\u0a97\u0abe\u0ab3\u0acb<\/span> \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe\u0aa8\u0ac0<\/span> \u0ab6\u0ab0\u0ac2\u0a86\u0aa4<\/span> \u0a85\u0aa8\u0ac7<\/span> \u0ab5\u0ac0\u0aae\u0abe<\/span> \u0ab2\u0abe\u0aad\u0acb<\/span> \u0ab6\u0ab0\u0ac2<\/span> \u0aa5\u0ab5\u0abe<\/span> \u0ab5\u0a9a\u0acd\u0a9a\u0ac7\u0aa8\u0abe<\/span> \u0ab8\u0aae\u0aaf\u0a97\u0abe\u0ab3\u0abe\u0aa8\u0ac7<\/span> \u0aa6\u0ab0\u0acd\u0ab6\u0abe\u0ab5\u0ac7<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0a9c\u0acd\u0aaf\u0abe\u0ab0\u0ac7<\/span> \u0ab0\u0abe\u0ab9<\/span> \u0a9c\u0acb\u0ab5\u0abe\u0aa8\u0acb<\/span> \u0ab8\u0aae\u0aaf\u0a97\u0abe\u0ab3\u0acb<\/span> \u0ab2\u0abe\u0a82\u0aac\u0acb<\/span> \u0ab9\u0acb\u0aaf<\/span> \u0aa4\u0acd\u0aaf\u0abe\u0ab0\u0ac7<\/span> \u0aaa\u0acd\u0ab0\u0ac0\u0aae\u0abf\u0aaf\u0aae<\/span> \u0ab8\u0abe\u0aae\u0abe\u0aa8\u0acd\u0aaf<\/span> \u0ab0\u0ac0\u0aa4\u0ac7<\/span> \u0a98\u0a9f\u0abe\u0aa1\u0ab5\u0abe\u0aae\u0abe\u0a82<\/span> \u0a86\u0ab5\u0ac7<\/span> \u0a9b\u0ac7<\/span>.<\/span><\/p>\n

\u0ab2\u0abe\u0aad\u0aa8\u0acb<\/span><\/b> <\/b>\u0ab8\u0aae\u0aaf\u0a97\u0abe\u0ab3\u0acb<\/span><\/b>: <\/span><\/b>\u0a9c\u0acb<\/span> \u0aa4\u0aae\u0ac7<\/span> \u0a85\u0aaa\u0a82\u0a97<\/span> \u0aa5\u0abe\u0a93<\/span> \u0a9b\u0acb<\/span> \u0aa4\u0acb<\/span> \u0aaa\u0acb\u0ab2\u0abf\u0ab8\u0ac0<\/span> \u0a95\u0ac7\u0a9f\u0ab2\u0abe<\/span> \u0ab8\u0aae\u0aaf<\/span> \u0aae\u0abe\u0a9f\u0ac7<\/span> \u0ab2\u0abe\u0aad<\/span> \u0a9a\u0ac2\u0a95\u0ab5\u0ab6\u0ac7<\/span> \u0aa4\u0ac7<\/span> \u0aa7\u0acd\u0aaf\u0abe\u0aa8\u0aae\u0abe\u0a82<\/span> \u0ab2\u0acb<\/span>. <\/span>\u0a86\u0aa6\u0ab0\u0acd\u0ab6\u0ab0\u0ac0\u0aa4\u0ac7<\/span>, <\/span>\u0a8f\u0ab5\u0ac0<\/span> \u0aaa\u0acb\u0ab2\u0abf\u0ab8\u0ac0<\/span> \u0aaa\u0ab8\u0a82\u0aa6<\/span> \u0a95\u0ab0\u0acb<\/span> \u0a9c\u0ac7\u0aa8\u0acb<\/span> \u0ab2\u0abe\u0aad<\/span> \u0ab8\u0aae\u0aaf\u0a97\u0abe\u0ab3\u0acb<\/span> \u0aa4\u0aae\u0abe\u0ab0\u0ac0<\/span> \u0aa8\u0abf\u0ab5\u0ac3\u0aa4\u0acd\u0aa4\u0abf<\/span> \u0ab5\u0aaf<\/span> \u0ab8\u0abe\u0aa5\u0ac7<\/span> \u0ab8\u0ac1\u0ab8\u0a82\u0a97\u0aa4<\/span> \u0ab9\u0acb\u0aaf<\/span>.<\/span><\/p>\n

\u0aac\u0abe\u0a95\u0abe\u0aa4<\/span><\/b> <\/b>\u0a85\u0aa8\u0ac7<\/span><\/b> <\/b>\u0aae\u0ab0\u0acd\u0aaf\u0abe\u0aa6\u0abe\u0a93<\/span><\/b>: <\/span><\/b>\u0aa4\u0aae\u0abe\u0ab0\u0abe<\/span> \u0a95\u0ab5\u0ab0\u0ac7\u0a9c\u0aa8\u0ac7<\/span> \u0a85\u0ab8\u0ab0<\/span> \u0a95\u0ab0\u0ac0<\/span> \u0ab6\u0a95\u0ac7<\/span> \u0aa4\u0ac7\u0ab5\u0abe<\/span> \u0a95\u0acb\u0a88\u0aaa\u0aa3<\/span> \u0aac\u0abe\u0a95\u0abe\u0aa4<\/span> \u0a85\u0aa5\u0ab5\u0abe<\/span> \u0aae\u0ab0\u0acd\u0aaf\u0abe\u0aa6\u0abe\u0a93<\/span> \u0aae\u0abe\u0a9f\u0ac7<\/span> \u0aaa\u0acb\u0ab2\u0abf\u0ab8\u0ac0\u0aa8\u0ac0<\/span> \u0a95\u0abe\u0ab3\u0a9c\u0ac0\u0aaa\u0ac2\u0ab0\u0acd\u0ab5\u0a95<\/span> \u0ab8\u0aae\u0ac0\u0a95\u0acd\u0ab7\u0abe<\/span> \u0a95\u0ab0\u0acb<\/span>. <\/span>\u0a95\u0aaf\u0abe<\/span> \u0ab8\u0a82\u0a9c\u0acb\u0a97\u0acb\u0aae\u0abe\u0a82<\/span> \u0ab2\u0abe\u0aad\u0acb<\/span> \u0aa8\u0a95\u0abe\u0ab0\u0ac0<\/span> \u0ab6\u0a95\u0abe\u0aaf<\/span> \u0a9b\u0ac7<\/span> \u0a85\u0aa5\u0ab5\u0abe<\/span> \u0a98\u0a9f\u0abe\u0aa1\u0ac0<\/span> \u0ab6\u0a95\u0abe\u0aaf<\/span> \u0a9b\u0ac7<\/span> \u0aa4\u0ac7<\/span> \u0ab8\u0aae\u0a9c\u0acb<\/span>.<\/span><\/p>\n

\u00a0<\/span><\/p>\n

\u0ab8\u0ac7\u0ab5\u0abe<\/span><\/b> <\/b>\u0ab8\u0abe\u0aa5\u0ac7<\/span><\/b> <\/b>\u0aa6\u0abf\u0ab5\u0acd\u0aaf\u0abe\u0a82\u0a97<\/span><\/b> <\/b>\u0ab2\u0acb\u0a95\u0acb\u0aa8\u0ac7<\/span><\/b> <\/b>\u0a9f\u0ac7\u0a95\u0acb<\/span><\/b> <\/b>\u0a86\u0aaa\u0ac0\u0aa8\u0ac7<\/span><\/b> <\/b>\u0ab8\u0a95\u0abe\u0ab0\u0abe\u0aa4\u0acd\u0aae\u0a95<\/span><\/b> <\/b>\u0a85\u0ab8\u0ab0<\/span><\/b> <\/b>\u0a95\u0ab0\u0acb<\/span><\/b> <\/b>\u0ab8\u0a82\u0ab8\u0acd\u0aa5\u0abe\u0aa8<\/span><\/b><\/h2>\n

\u0ab5\u0abf\u0a95\u0ab2\u0abe\u0a82\u0a97\u0aa4\u0abe<\/span> \u0ab5\u0ac0\u0aae\u0abe\u0aa8\u0ac7<\/span> \u0ab8\u0aae\u0a9c\u0ab5\u0abe\u0aa8\u0ac0<\/span> \u0a85\u0aae\u0abe\u0ab0\u0ac0<\/span> \u0ab8\u0aab\u0ab0\u0aae\u0abe\u0a82<\/span>, <\/span>\u0a86\u0aaa\u0aa3\u0ac7<\/span> \u0aa8\u0abe\u0ab0\u0abe\u0aaf\u0aa3<\/span> \u0ab8\u0ac7\u0ab5\u0abe<\/span> \u0a9c\u0ac7\u0ab5\u0ac0<\/span> \u0ab8\u0a82\u0ab8\u0acd\u0aa5\u0abe\u0a93<\/span> \u0aa6\u0acd\u0ab5\u0abe\u0ab0\u0abe<\/span> \u0a95\u0ab0\u0ab5\u0abe\u0aae\u0abe\u0a82<\/span> \u0a86\u0ab5\u0ac7\u0ab2\u0abe<\/span> \u0a85\u0aa6\u0acd\u0aad\u0ac1\u0aa4<\/span> \u0a95\u0abe\u0ab0\u0acd\u0aaf\u0aa8\u0ac7<\/span> \u0a85\u0ab5\u0a97\u0aa3\u0ac0<\/span> \u0ab6\u0a95\u0ac0\u0a8f<\/span> \u0aa8\u0ab9\u0ac0\u0a82<\/span>. <\/span>\u0ab8\u0a82\u0ab8\u0acd\u0aa5\u0abe\u0aa8<\/span> . <\/span>\u0aa8\u0abe\u0ab0\u0abe\u0aaf\u0aa3<\/span> \u0ab8\u0ac7\u0ab5\u0abe<\/span> \u0ab8\u0a82\u0ab8\u0acd\u0aa5\u0abe\u0aa8<\/span> \u0a8f\u0a95<\/span> \u0aaa\u0acd\u0ab0\u0a96\u0acd\u0aaf\u0abe\u0aa4<\/span> \u0aac\u0abf\u0aa8<\/span>–<\/span>\u0ab2\u0abe\u0aad\u0a95\u0abe\u0ab0\u0ac0<\/span> \u0ab8\u0a82\u0ab8\u0acd\u0aa5\u0abe<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0aa4\u0ac7<\/span> \u0ab5\u0abf\u0a95\u0ab2\u0abe\u0a82\u0a97<\/span> \u0ab5\u0acd\u0aaf\u0a95\u0acd\u0aa4\u0abf\u0a93\u0aa8\u0ac0<\/span> \u0ab8\u0ac7\u0ab5\u0abe<\/span> \u0a95\u0ab0\u0ab5\u0abe<\/span> \u0aae\u0abe\u0a9f\u0ac7<\/span> \u0ab8\u0aae\u0ab0\u0acd\u0aaa\u0abf\u0aa4<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0aa4\u0ac7\u0aa8\u0ac0<\/span> \u0ab8\u0acd\u0aa5\u0abe\u0aaa\u0aa8\u0abe<\/span> 1985 <\/span>\u0aae\u0abe\u0a82<\/span> \u0ab5\u0abf\u0a95\u0ab2\u0abe\u0a82\u0a97\u0acb\u0aa8\u0abe<\/span> \u0a89\u0aa4\u0acd\u0aa5\u0abe\u0aa8<\/span> \u0a85\u0aa8\u0ac7<\/span> \u0ab8\u0ab6\u0a95\u0acd\u0aa4\u0abf\u0a95\u0ab0\u0aa3\u0aa8\u0abe<\/span> \u0ab5\u0abf\u0a9d\u0aa8<\/span> \u0ab8\u0abe\u0aa5\u0ac7<\/span> \u0a95\u0ab0\u0ab5\u0abe\u0aae\u0abe\u0a82<\/span> \u0a86\u0ab5\u0ac0<\/span> \u0ab9\u0aa4\u0ac0<\/span>. <\/span>\u0a86<\/span> \u0ab8\u0a82\u0ab8\u0acd\u0aa5\u0abe<\/span> \u0ab5\u0abf\u0ab5\u0abf\u0aa7<\/span> \u0ab8\u0ac7\u0ab5\u0abe\u0a93<\/span> \u0aaa\u0ac2\u0ab0\u0ac0<\/span> \u0aaa\u0abe\u0aa1\u0ac7<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0a86\u0aae\u0abe\u0a82<\/span> \u0aa4\u0aac\u0ac0\u0aac\u0ac0<\/span> \u0ab8\u0a82\u0aad\u0abe\u0ab3<\/span>, <\/span>\u0ab6\u0abf\u0a95\u0acd\u0ab7\u0aa3<\/span>, <\/span>\u0ab5\u0acd\u0aaf\u0abe\u0ab5\u0ab8\u0abe\u0aaf\u0abf\u0a95<\/span> \u0aa4\u0abe\u0ab2\u0ac0\u0aae<\/span> \u0a85\u0aa8\u0ac7<\/span> \u0aaa\u0ac1\u0aa8\u0ab0\u0acd\u0ab5\u0ab8\u0aa8\u0aa8\u0acb<\/span> \u0ab8\u0aae\u0abe\u0ab5\u0ac7\u0ab6<\/span> \u0aa5\u0abe\u0aaf<\/span> \u0a9b\u0ac7<\/span>.<\/span><\/p>\n

\u0aa8\u0abe\u0ab0\u0abe\u0aaf\u0aa3<\/span> \u0ab8\u0ac7\u0ab5\u0abe<\/span> \u0ab8\u0a82\u0ab8\u0acd\u0aa5\u0abe\u0aa8\u0aa8\u0abe<\/span> \u0a85\u0aa5\u0abe\u0a95<\/span> \u0aaa\u0acd\u0ab0\u0aaf\u0abe\u0ab8\u0acb\u0a8f<\/span> \u0a85\u0ab8\u0a82\u0a96\u0acd\u0aaf<\/span> \u0ab5\u0abf\u0a95\u0ab2\u0abe\u0a82\u0a97<\/span> \u0ab5\u0acd\u0aaf\u0a95\u0acd\u0aa4\u0abf\u0a93\u0aa8\u0abe<\/span> \u0a9c\u0ac0\u0ab5\u0aa8\u0aae\u0abe\u0a82<\/span> \u0aaa\u0ab0\u0abf\u0ab5\u0ab0\u0acd\u0aa4\u0aa8<\/span> \u0ab2\u0abe\u0ab5\u0acd\u0aaf\u0ac1\u0a82<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0aa4\u0ac7\u0a93<\/span> \u0aa4\u0ac7\u0aae\u0aa8\u0ac7<\/span> \u0aaa\u0ab0\u0abf\u0aaa\u0ac2\u0ab0\u0acd\u0aa3<\/span> \u0a85\u0aa8\u0ac7<\/span> \u0ab8\u0acd\u0ab5\u0aa4\u0a82\u0aa4\u0acd\u0ab0<\/span> \u0a9c\u0ac0\u0ab5\u0aa8<\/span> \u0a9c\u0ac0\u0ab5\u0ab5\u0abe\u0aa8\u0ac0<\/span> \u0aa4\u0a95<\/span> \u0a86\u0aaa\u0ac7<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0ab8\u0aae\u0abe\u0ab5\u0abf\u0ab7\u0acd\u0a9f<\/span> \u0ab8\u0aae\u0abe\u0a9c<\/span> \u0aac\u0aa8\u0abe\u0ab5\u0ab5\u0abe<\/span> \u0aae\u0abe\u0a9f\u0ac7\u0aa8\u0ac0<\/span> \u0aa4\u0ac7\u0aae\u0aa8\u0ac0<\/span> \u0aaa\u0acd\u0ab0\u0aa4\u0abf\u0aac\u0aa6\u0acd\u0aa7\u0aa4\u0abe<\/span> \u0a96\u0ab0\u0ac7\u0a96\u0ab0<\/span> \u0aaa\u0acd\u0ab0\u0ab6\u0a82\u0ab8\u0aa8\u0ac0\u0aaf<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0aa4\u0ac7\u0a93<\/span> \u0a9c\u0ab0\u0ac2\u0ab0\u0abf\u0aaf\u0abe\u0aa4\u0aae\u0a82\u0aa6\u0acb\u0aa8\u0ac7<\/span> \u0ab5\u0acd\u0aaf\u0abe\u0aaa\u0a95<\/span> \u0ab8\u0ab9\u0abe\u0aaf<\/span> \u0aaa\u0ac2\u0ab0\u0ac0<\/span> \u0aaa\u0abe\u0aa1\u0ac7<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0aa6\u0abe\u0aa8<\/span> \u0a86\u0aaa\u0ab5\u0abe<\/span> \u0a85\u0aa5\u0ab5\u0abe<\/span> \u0ab8\u0a96\u0abe\u0ab5\u0aa4\u0ac0<\/span> \u0ab8\u0a82\u0ab8\u0acd\u0aa5\u0abe<\/span> \u0a85\u0aa8\u0ac7<\/span> \u0aa4\u0ac7\u0a93<\/span> \u0a9c\u0ac7<\/span> \u0ab8\u0ac7\u0ab5\u0abe\u0a93<\/span> \u0aaa\u0ac2\u0ab0\u0ac0<\/span> \u0aaa\u0abe\u0aa1\u0ac7<\/span> \u0a9b\u0ac7<\/span> \u0aa4\u0ac7\u0aa8\u0abe<\/span> \u0ab5\u0abf\u0ab6\u0ac7<\/span> \u0ab5\u0aa7\u0ac1<\/span> \u0a9c\u0abe\u0aa3\u0ab5\u0abe<\/span> \u0aae\u0abe\u0a9f\u0ac7<\/span>, <\/span>\u0a95\u0ac3\u0aaa\u0abe<\/span> \u0a95\u0ab0\u0ac0\u0aa8\u0ac7<\/span> www.narayanseva.org\/en <\/span>\u0ab5\u0ac7\u0aac\u0ab8\u0abe\u0a87\u0a9f\u0aa8\u0ac0<\/span> \u0aae\u0ac1\u0ab2\u0abe\u0a95\u0abe\u0aa4<\/span> \u0ab2\u0acb<\/span> <\/a>. <\/span><\/span>\u0aa4\u0aae\u0abe\u0ab0\u0abe<\/span> \u0aa6\u0abe\u0aa8\u0aa5\u0ac0<\/span> \u0ab8\u0acc\u0aa5\u0ac0<\/span> \u0ab5\u0aa7\u0ac1<\/span> \u0a9c\u0ab0\u0ac2\u0ab0<\/span> \u0ab9\u0acb\u0aaf<\/span> \u0aa4\u0ac7\u0ab5\u0abe<\/span> \u0ab2\u0acb\u0a95\u0acb\u0aa8\u0abe<\/span> \u0a9c\u0ac0\u0ab5\u0aa8\u0aae\u0abe\u0a82<\/span> \u0aa8\u0acb\u0a82\u0aa7\u0aaa\u0abe\u0aa4\u0acd\u0ab0<\/span> \u0aab\u0ab0\u0a95<\/span> \u0aaa\u0aa1\u0ac0<\/span> \u0ab6\u0a95\u0ac7<\/span> \u0a9b\u0ac7<\/span>.<\/span><\/p>\n

\u0aa8\u0abf\u0ab7\u0acd\u0a95\u0ab0\u0acd\u0ab7\u0aae\u0abe\u0a82<\/span>, <\/span>\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe<\/span> \u0ab5\u0ac0\u0aae\u0acb<\/span> \u0aa8\u0abe\u0aa3\u0abe\u0a95\u0ac0\u0aaf<\/span> \u0a86\u0aaf\u0acb\u0a9c\u0aa8\u0aa8\u0acb<\/span> \u0a8f\u0a95<\/span> \u0a86\u0ab5\u0ab6\u0acd\u0aaf\u0a95<\/span> \u0aaa\u0abe\u0ab8\u0ac1\u0a82<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0aa4\u0ac7<\/span> \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe\u0aa8\u0abe<\/span> \u0a95\u0abf\u0ab8\u0acd\u0ab8\u0abe\u0aae\u0abe\u0a82<\/span> \u0ab8\u0ab2\u0abe\u0aae\u0aa4\u0ac0<\/span> \u0a9c\u0abe\u0ab3<\/span> \u0aaa\u0ac2\u0ab0\u0ac0<\/span> \u0aaa\u0abe\u0aa1\u0ac7<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0a89\u0aaa\u0ab2\u0aac\u0acd\u0aa7<\/span> \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe<\/span> \u0ab5\u0ac0\u0aae\u0abe\u0aa8\u0abe<\/span> \u0aaa\u0acd\u0ab0\u0a95\u0abe\u0ab0\u0acb\u0aa8\u0ac7<\/span> \u0ab8\u0aae\u0a9c\u0ac0\u0aa8\u0ac7<\/span>, <\/span>\u0aa4\u0aae\u0ac7<\/span> \u0a96\u0abe\u0aa4\u0ab0\u0ac0<\/span> \u0a95\u0ab0\u0ac0<\/span> \u0ab6\u0a95\u0acb<\/span> \u0a9b\u0acb<\/span> \u0a95\u0ac7<\/span> \u0aa4\u0aae\u0ac7<\/span> \u0a85\u0aa8\u0ac7<\/span> \u0aa4\u0aae\u0abe\u0ab0\u0abe<\/span> \u0aaa\u0acd\u0ab0\u0abf\u0aaf\u0a9c\u0aa8\u0acb<\/span> \u0ab8\u0ac1\u0ab0\u0a95\u0acd\u0ab7\u0abf\u0aa4<\/span> \u0a9b\u0acb<\/span>.<\/span><\/p>\n

\u0aaa\u0acb\u0ab2\u0abf\u0ab8\u0ac0<\/span> \u0aaa\u0ab8\u0a82\u0aa6<\/span> \u0a95\u0ab0\u0aa4\u0ac0<\/span> \u0ab5\u0a96\u0aa4\u0ac7<\/span> \u0a86<\/span> \u0aaa\u0ab0\u0abf\u0aac\u0ab3\u0acb\u0aa8\u0acb<\/span> \u0ab5\u0abf\u0a9a\u0abe\u0ab0<\/span> \u0a95\u0ab0\u0acb<\/span>. <\/span>\u0ab5\u0aa7\u0ac1\u0aae\u0abe\u0a82<\/span>, <\/span>\u0aa8\u0abe\u0ab0\u0abe\u0aaf\u0aa3<\/span> \u0ab8\u0ac7\u0ab5\u0abe<\/span> \u0a9c\u0ac7\u0ab5\u0ac0<\/span> \u0ab8\u0a82\u0ab8\u0acd\u0aa5\u0abe\u0a93<\/span> \u0ab8\u0a82\u0ab8\u0acd\u0aa5\u0abe\u0aa8<\/span> \u0ab5\u0abf\u0a95\u0ab2\u0abe\u0a82\u0a97<\/span> \u0ab5\u0acd\u0aaf\u0a95\u0acd\u0aa4\u0abf\u0a93\u0aa8\u0ac7<\/span> \u0a9f\u0ac7\u0a95\u0acb<\/span> \u0a86\u0aaa\u0ab5\u0abe\u0aae\u0abe\u0a82<\/span> \u0aae\u0ab9\u0aa4\u0acd\u0ab5\u0aaa\u0ac2\u0ab0\u0acd\u0aa3<\/span> \u0aad\u0ac2\u0aae\u0abf\u0a95\u0abe<\/span> \u0aad\u0a9c\u0ab5\u0ac7<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0aa4\u0ac7\u0a93<\/span> \u0aa4\u0ac7\u0aae\u0aa8\u0ac7<\/span> \u0ab8\u0a82\u0aa4\u0acb\u0ab7\u0a95\u0abe\u0ab0\u0a95<\/span> \u0a9c\u0ac0\u0ab5\u0aa8<\/span> \u0a9c\u0ac0\u0ab5\u0ab5\u0abe<\/span> \u0aae\u0abe\u0a9f\u0ac7<\/span> \u0a9c\u0ab0\u0ac2\u0ab0\u0ac0<\/span> \u0ab8\u0a82\u0aad\u0abe\u0ab3<\/span> \u0a85\u0aa8\u0ac7<\/span> \u0ab8\u0a82\u0ab8\u0abe\u0aa7\u0aa8\u0acb<\/span> \u0aaa\u0ac2\u0ab0\u0abe<\/span> \u0aaa\u0abe\u0aa1\u0ac7<\/span> \u0a9b\u0ac7<\/span>. <\/span>\u0aa6\u0abe\u0aa8<\/span> \u0aa6\u0acd\u0ab5\u0abe\u0ab0\u0abe<\/span> \u0aa4\u0ac7\u0aae\u0aa8\u0abe<\/span> \u0aae\u0abf\u0ab6\u0aa8\u0aa8\u0ac7<\/span> \u0a9f\u0ac7\u0a95\u0acb<\/span> \u0a86\u0aaa\u0ab5\u0abe\u0aa8\u0ac1\u0a82<\/span> \u0ab5\u0abf\u0a9a\u0abe\u0ab0\u0acb<\/span>. <\/span>\u0ab5\u0abf\u0a95\u0ab2\u0abe\u0a82\u0a97<\/span> \u0ab5\u0acd\u0aaf\u0a95\u0acd\u0aa4\u0abf\u0a93\u0aa8\u0abe<\/span> \u0a9c\u0ac0\u0ab5\u0aa8<\/span> \u0aaa\u0ab0<\/span> \u0ab8\u0a95\u0abe\u0ab0\u0abe\u0aa4\u0acd\u0aae\u0a95<\/span> \u0a85\u0ab8\u0ab0<\/span> \u0a95\u0ab0\u0ab5\u0abe\u0aae\u0abe\u0a82<\/span> \u0aa4\u0ac7\u0aae\u0aa8\u0ac0<\/span> \u0ab8\u0abe\u0aa5\u0ac7<\/span> \u0a9c\u0acb\u0aa1\u0abe\u0a93<\/span>.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0acb \u0a8f \u0ab0\u0a95\u0acd\u0ab7\u0aa3\u0aa8\u0ac1\u0a82 \u0a8f\u0a95 \u0aae\u0ab9\u0aa4\u0acd\u0ab5\u0aaa\u0ac2\u0ab0\u0acd\u0aa3 \u0ab8\u0acd\u0ab5\u0ab0\u0ac2\u0aaa \u0a9b\u0ac7. \u0aa4\u0ac7 \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe\u0aa8\u0abe \u0a95\u0abf\u0ab8\u0acd\u0ab8\u0abe\u0aae\u0abe\u0a82 \u0aa8\u0abe\u0aa3\u0abe\u0a95\u0ac0\u0aaf \u0ab8\u0ab9\u0abe\u0aaf \u0a85\u0aa8\u0ac7 \u0aae\u0abe\u0aa8\u0ab8\u0abf\u0a95 \u0ab6\u0abe\u0a82\u0aa4\u0abf \u0aaa\u0acd\u0ab0\u0aa6\u0abe\u0aa8 \u0a95\u0ab0\u0ac0 \u0ab6\u0a95\u0ac7 \u0a9b\u0ac7. \u0aad\u0ab2\u0ac7 \u0aa4\u0aae\u0abe\u0ab0\u0ac0 \u0aaa\u0abe\u0ab8\u0ac7 \u0ab6\u0abe\u0ab0\u0ac0\u0ab0\u0abf\u0a95 \u0ab0\u0ac0\u0aa4\u0ac7 \u0aae\u0ac1\u0ab6\u0acd\u0a95\u0ac7\u0ab2 \u0aa8\u0acb\u0a95\u0ab0\u0ac0 \u0ab9\u0acb\u0aaf \u0a95\u0ac7 \u0aac\u0ac7\u0aa0\u0abe\u0aa1\u0ac1 \u0ab5\u0acd\u0aaf\u0ab5\u0ab8\u0abe\u0aaf \u0ab9\u0acb\u0aaf, \u0a86 \u0ab5\u0ac0\u0aae\u0acb \u0a96\u0abe\u0aa4\u0ab0\u0ac0 \u0a95\u0ab0\u0ac7 \u0a9b\u0ac7 \u0a95\u0ac7 \u0aa4\u0aae\u0ac7 \u0a86\u0ab0\u0acd\u0aa5\u0abf\u0a95 \u0ab0\u0ac0\u0aa4\u0ac7 \u0ab8\u0ac1\u0ab0\u0a95\u0acd\u0ab7\u0abf\u0aa4 \u0a9b\u0acb. \u0a9c\u0acb \u0aa4\u0aae\u0ac7 \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe\u0aa8\u0ac7 \u0a95\u0abe\u0ab0\u0aa3\u0ac7 \u0a95\u0abe\u0aae \u0a95\u0ab0\u0ac0 \u0ab6\u0a95\u0aa4\u0abe \u0aa8\u0aa5\u0ac0, \u0aa4\u0acb \u0aa4\u0ac7 \u0aa4\u0aae\u0abe\u0ab0\u0ac1\u0a82 \u0ab0\u0a95\u0acd\u0ab7\u0aa3 […]<\/p>\n","protected":false},"author":7,"featured_media":10921,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"tags":[],"class_list":["post-10920","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","post-categories-blog","post-categories-english"],"yoast_head":"\n\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0a85\u0a82\u0aa4\u0abf\u0aae \u0aae\u0abe\u0ab0\u0acd\u0a97\u0aa6\u0ab0\u0acd\u0ab6\u0abf\u0a95\u0abe: \u0aae\u0ac1\u0a96\u0acd\u0aaf \u0a86\u0a82\u0aa4\u0ab0\u0aa6\u0ac3\u0ab7\u0acd\u0a9f\u0abf<\/title>\n<meta name=\"description\" content=\"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0acb \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0aa6\u0ab0\u0aae\u0abf\u0aaf\u0abe\u0aa8 \u0aa8\u0abe\u0aa3\u0abe\u0a95\u0ac0\u0aaf \u0ab8\u0ab9\u0abe\u0aaf \u0aaa\u0ac2\u0ab0\u0ac0 \u0aaa\u0abe\u0aa1\u0ac7 \u0a9b\u0ac7. \u0aaa\u0acb\u0ab2\u0abf\u0ab8\u0ac0\u0aa8\u0abe \u0aaa\u0acd\u0ab0\u0a95\u0abe\u0ab0\u0acb \u0a9c\u0abe\u0aa3\u0acb \u0a85\u0aa8\u0ac7 \u0ab8\u0ac1\u0ab0\u0a95\u0acd\u0ab7\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0aaf\u0acb\u0a97\u0acd\u0aaf \u0a95\u0ab5\u0ab0 \u0aaa\u0ab8\u0a82\u0aa6 \u0a95\u0ab0\u0acb.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"website\" \/>\n<meta property=\"og:title\" content=\"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0a85\u0a82\u0aa4\u0abf\u0aae \u0aae\u0abe\u0ab0\u0acd\u0a97\u0aa6\u0ab0\u0acd\u0ab6\u0abf\u0a95\u0abe: \u0aae\u0ac1\u0a96\u0acd\u0aaf \u0a86\u0a82\u0aa4\u0ab0\u0aa6\u0ac3\u0ab7\u0acd\u0a9f\u0abf\" \/>\n<meta property=\"og:description\" content=\"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0acb \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0aa6\u0ab0\u0aae\u0abf\u0aaf\u0abe\u0aa8 \u0aa8\u0abe\u0aa3\u0abe\u0a95\u0ac0\u0aaf \u0ab8\u0ab9\u0abe\u0aaf \u0aaa\u0ac2\u0ab0\u0ac0 \u0aaa\u0abe\u0aa1\u0ac7 \u0a9b\u0ac7. \u0aaa\u0acb\u0ab2\u0abf\u0ab8\u0ac0\u0aa8\u0abe \u0aaa\u0acd\u0ab0\u0a95\u0abe\u0ab0\u0acb \u0a9c\u0abe\u0aa3\u0acb \u0a85\u0aa8\u0ac7 \u0ab8\u0ac1\u0ab0\u0a95\u0acd\u0ab7\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0aaf\u0acb\u0a97\u0acd\u0aaf \u0a95\u0ab5\u0ab0 \u0aaa\u0ab8\u0a82\u0aa6 \u0a95\u0ab0\u0acb.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/\" \/>\n<meta property=\"og:site_name\" content=\"NSS India Gujarati\" \/>\n<meta property=\"article:published_time\" content=\"2023-10-11T06:19:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-19T11:25:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.narayanseva.org\/wp-content\/uploads\/sites\/3\/2023\/10\/22054121\/What-You-Need-to-Know.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"818\" \/>\n\t<meta property=\"og:image:height\" content=\"396\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"wordpress1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0a85\u0a82\u0aa4\u0abf\u0aae \u0aae\u0abe\u0ab0\u0acd\u0a97\u0aa6\u0ab0\u0acd\u0ab6\u0abf\u0a95\u0abe: \u0aae\u0ac1\u0a96\u0acd\u0aaf \u0a86\u0a82\u0aa4\u0ab0\u0aa6\u0ac3\u0ab7\u0acd\u0a9f\u0abf\" \/>\n<meta name=\"twitter:description\" content=\"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0acb \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0aa6\u0ab0\u0aae\u0abf\u0aaf\u0abe\u0aa8 \u0aa8\u0abe\u0aa3\u0abe\u0a95\u0ac0\u0aaf \u0ab8\u0ab9\u0abe\u0aaf \u0aaa\u0ac2\u0ab0\u0ac0 \u0aaa\u0abe\u0aa1\u0ac7 \u0a9b\u0ac7. \u0aaa\u0acb\u0ab2\u0abf\u0ab8\u0ac0\u0aa8\u0abe \u0aaa\u0acd\u0ab0\u0a95\u0abe\u0ab0\u0acb \u0a9c\u0abe\u0aa3\u0acb \u0a85\u0aa8\u0ac7 \u0ab8\u0ac1\u0ab0\u0a95\u0acd\u0ab7\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0aaf\u0acb\u0a97\u0acd\u0aaf \u0a95\u0ab5\u0ab0 \u0aaa\u0ab8\u0a82\u0aa6 \u0a95\u0ab0\u0acb.\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"wordpress1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/\",\"url\":\"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/\",\"name\":\"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0a85\u0a82\u0aa4\u0abf\u0aae \u0aae\u0abe\u0ab0\u0acd\u0a97\u0aa6\u0ab0\u0acd\u0ab6\u0abf\u0a95\u0abe: \u0aae\u0ac1\u0a96\u0acd\u0aaf \u0a86\u0a82\u0aa4\u0ab0\u0aa6\u0ac3\u0ab7\u0acd\u0a9f\u0abf\",\"isPartOf\":{\"@id\":\"https:\/\/www.narayanseva.org\/guj\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.narayanseva.org\/wp-content\/uploads\/sites\/3\/2023\/10\/22054121\/What-You-Need-to-Know.jpg\",\"datePublished\":\"2023-10-11T06:19:42+00:00\",\"dateModified\":\"2026-05-19T11:25:06+00:00\",\"author\":{\"@id\":\"https:\/\/www.narayanseva.org\/guj\/#\/schema\/person\/791d6dea8f720217c69eea7c52e7eebd\"},\"description\":\"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0acb \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0aa6\u0ab0\u0aae\u0abf\u0aaf\u0abe\u0aa8 \u0aa8\u0abe\u0aa3\u0abe\u0a95\u0ac0\u0aaf \u0ab8\u0ab9\u0abe\u0aaf \u0aaa\u0ac2\u0ab0\u0ac0 \u0aaa\u0abe\u0aa1\u0ac7 \u0a9b\u0ac7. \u0aaa\u0acb\u0ab2\u0abf\u0ab8\u0ac0\u0aa8\u0abe \u0aaa\u0acd\u0ab0\u0a95\u0abe\u0ab0\u0acb \u0a9c\u0abe\u0aa3\u0acb \u0a85\u0aa8\u0ac7 \u0ab8\u0ac1\u0ab0\u0a95\u0acd\u0ab7\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0aaf\u0acb\u0a97\u0acd\u0aaf \u0a95\u0ab5\u0ab0 \u0aaa\u0ab8\u0a82\u0aa6 \u0a95\u0ab0\u0acb.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/#primaryimage\",\"url\":\"https:\/\/www.narayanseva.org\/wp-content\/uploads\/sites\/3\/2023\/10\/22054121\/What-You-Need-to-Know.jpg\",\"contentUrl\":\"https:\/\/www.narayanseva.org\/wp-content\/uploads\/sites\/3\/2023\/10\/22054121\/What-You-Need-to-Know.jpg\",\"width\":818,\"height\":396},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.narayanseva.org\/guj\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0abe \u0aae\u0abe\u0a9f\u0ac7\u0aa8\u0ac0 \u0a85\u0a82\u0aa4\u0abf\u0aae \u0aae\u0abe\u0ab0\u0acd\u0a97\u0aa6\u0ab0\u0acd\u0ab6\u0abf\u0a95\u0abe: \u0aa4\u0aae\u0abe\u0ab0\u0ac7 \u0ab6\u0ac1\u0a82 \u0a9c\u0abe\u0aa3\u0ab5\u0abe\u0aa8\u0ac0 \u0a9c\u0ab0\u0ac2\u0ab0 \u0a9b\u0ac7\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.narayanseva.org\/guj\/#website\",\"url\":\"https:\/\/www.narayanseva.org\/guj\/\",\"name\":\"NSS India Gujarati\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.narayanseva.org\/guj\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.narayanseva.org\/guj\/#\/schema\/person\/791d6dea8f720217c69eea7c52e7eebd\",\"name\":\"wordpress1\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.narayanseva.org\/guj\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/abbd6f003e7120e2fc1c73ade6872fa8?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/abbd6f003e7120e2fc1c73ade6872fa8?s=96&d=mm&r=g\",\"caption\":\"wordpress1\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0a85\u0a82\u0aa4\u0abf\u0aae \u0aae\u0abe\u0ab0\u0acd\u0a97\u0aa6\u0ab0\u0acd\u0ab6\u0abf\u0a95\u0abe: \u0aae\u0ac1\u0a96\u0acd\u0aaf \u0a86\u0a82\u0aa4\u0ab0\u0aa6\u0ac3\u0ab7\u0acd\u0a9f\u0abf","description":"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0acb \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0aa6\u0ab0\u0aae\u0abf\u0aaf\u0abe\u0aa8 \u0aa8\u0abe\u0aa3\u0abe\u0a95\u0ac0\u0aaf \u0ab8\u0ab9\u0abe\u0aaf \u0aaa\u0ac2\u0ab0\u0ac0 \u0aaa\u0abe\u0aa1\u0ac7 \u0a9b\u0ac7. \u0aaa\u0acb\u0ab2\u0abf\u0ab8\u0ac0\u0aa8\u0abe \u0aaa\u0acd\u0ab0\u0a95\u0abe\u0ab0\u0acb \u0a9c\u0abe\u0aa3\u0acb \u0a85\u0aa8\u0ac7 \u0ab8\u0ac1\u0ab0\u0a95\u0acd\u0ab7\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0aaf\u0acb\u0a97\u0acd\u0aaf \u0a95\u0ab5\u0ab0 \u0aaa\u0ab8\u0a82\u0aa6 \u0a95\u0ab0\u0acb.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/","og_locale":"en_US","og_type":"website","og_title":"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0a85\u0a82\u0aa4\u0abf\u0aae \u0aae\u0abe\u0ab0\u0acd\u0a97\u0aa6\u0ab0\u0acd\u0ab6\u0abf\u0a95\u0abe: \u0aae\u0ac1\u0a96\u0acd\u0aaf \u0a86\u0a82\u0aa4\u0ab0\u0aa6\u0ac3\u0ab7\u0acd\u0a9f\u0abf","og_description":"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0acb \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0aa6\u0ab0\u0aae\u0abf\u0aaf\u0abe\u0aa8 \u0aa8\u0abe\u0aa3\u0abe\u0a95\u0ac0\u0aaf \u0ab8\u0ab9\u0abe\u0aaf \u0aaa\u0ac2\u0ab0\u0ac0 \u0aaa\u0abe\u0aa1\u0ac7 \u0a9b\u0ac7. \u0aaa\u0acb\u0ab2\u0abf\u0ab8\u0ac0\u0aa8\u0abe \u0aaa\u0acd\u0ab0\u0a95\u0abe\u0ab0\u0acb \u0a9c\u0abe\u0aa3\u0acb \u0a85\u0aa8\u0ac7 \u0ab8\u0ac1\u0ab0\u0a95\u0acd\u0ab7\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0aaf\u0acb\u0a97\u0acd\u0aaf \u0a95\u0ab5\u0ab0 \u0aaa\u0ab8\u0a82\u0aa6 \u0a95\u0ab0\u0acb.","og_url":"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/","og_site_name":"NSS India Gujarati","article_published_time":"2023-10-11T06:19:42+00:00","article_modified_time":"2026-05-19T11:25:06+00:00","og_image":[{"width":818,"height":396,"url":"https:\/\/www.narayanseva.org\/wp-content\/uploads\/sites\/3\/2023\/10\/22054121\/What-You-Need-to-Know.jpg","type":"image\/jpeg"}],"author":"wordpress1","twitter_card":"summary_large_image","twitter_title":"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0a85\u0a82\u0aa4\u0abf\u0aae \u0aae\u0abe\u0ab0\u0acd\u0a97\u0aa6\u0ab0\u0acd\u0ab6\u0abf\u0a95\u0abe: \u0aae\u0ac1\u0a96\u0acd\u0aaf \u0a86\u0a82\u0aa4\u0ab0\u0aa6\u0ac3\u0ab7\u0acd\u0a9f\u0abf","twitter_description":"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0acb \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0aa6\u0ab0\u0aae\u0abf\u0aaf\u0abe\u0aa8 \u0aa8\u0abe\u0aa3\u0abe\u0a95\u0ac0\u0aaf \u0ab8\u0ab9\u0abe\u0aaf \u0aaa\u0ac2\u0ab0\u0ac0 \u0aaa\u0abe\u0aa1\u0ac7 \u0a9b\u0ac7. \u0aaa\u0acb\u0ab2\u0abf\u0ab8\u0ac0\u0aa8\u0abe \u0aaa\u0acd\u0ab0\u0a95\u0abe\u0ab0\u0acb \u0a9c\u0abe\u0aa3\u0acb \u0a85\u0aa8\u0ac7 \u0ab8\u0ac1\u0ab0\u0a95\u0acd\u0ab7\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0aaf\u0acb\u0a97\u0acd\u0aaf \u0a95\u0ab5\u0ab0 \u0aaa\u0ab8\u0a82\u0aa6 \u0a95\u0ab0\u0acb.","twitter_misc":{"Written by":"wordpress1","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/","url":"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/","name":"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0a85\u0a82\u0aa4\u0abf\u0aae \u0aae\u0abe\u0ab0\u0acd\u0a97\u0aa6\u0ab0\u0acd\u0ab6\u0abf\u0a95\u0abe: \u0aae\u0ac1\u0a96\u0acd\u0aaf \u0a86\u0a82\u0aa4\u0ab0\u0aa6\u0ac3\u0ab7\u0acd\u0a9f\u0abf","isPartOf":{"@id":"https:\/\/www.narayanseva.org\/guj\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/#primaryimage"},"image":{"@id":"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/#primaryimage"},"thumbnailUrl":"https:\/\/www.narayanseva.org\/wp-content\/uploads\/sites\/3\/2023\/10\/22054121\/What-You-Need-to-Know.jpg","datePublished":"2023-10-11T06:19:42+00:00","dateModified":"2026-05-19T11:25:06+00:00","author":{"@id":"https:\/\/www.narayanseva.org\/guj\/#\/schema\/person\/791d6dea8f720217c69eea7c52e7eebd"},"description":"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0acb \u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0aa6\u0ab0\u0aae\u0abf\u0aaf\u0abe\u0aa8 \u0aa8\u0abe\u0aa3\u0abe\u0a95\u0ac0\u0aaf \u0ab8\u0ab9\u0abe\u0aaf \u0aaa\u0ac2\u0ab0\u0ac0 \u0aaa\u0abe\u0aa1\u0ac7 \u0a9b\u0ac7. \u0aaa\u0acb\u0ab2\u0abf\u0ab8\u0ac0\u0aa8\u0abe \u0aaa\u0acd\u0ab0\u0a95\u0abe\u0ab0\u0acb \u0a9c\u0abe\u0aa3\u0acb \u0a85\u0aa8\u0ac7 \u0ab8\u0ac1\u0ab0\u0a95\u0acd\u0ab7\u0abe \u0aae\u0abe\u0a9f\u0ac7 \u0aaf\u0acb\u0a97\u0acd\u0aaf \u0a95\u0ab5\u0ab0 \u0aaa\u0ab8\u0a82\u0aa6 \u0a95\u0ab0\u0acb.","breadcrumb":{"@id":"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/#primaryimage","url":"https:\/\/www.narayanseva.org\/wp-content\/uploads\/sites\/3\/2023\/10\/22054121\/What-You-Need-to-Know.jpg","contentUrl":"https:\/\/www.narayanseva.org\/wp-content\/uploads\/sites\/3\/2023\/10\/22054121\/What-You-Need-to-Know.jpg","width":818,"height":396},{"@type":"BreadcrumbList","@id":"https:\/\/www.narayanseva.org\/guj\/the-ultimate-guide-to-disability-insurance-what-you-need-to-know\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.narayanseva.org\/guj\/"},{"@type":"ListItem","position":2,"name":"\u0a85\u0aaa\u0a82\u0a97\u0aa4\u0abe \u0ab5\u0ac0\u0aae\u0abe \u0aae\u0abe\u0a9f\u0ac7\u0aa8\u0ac0 \u0a85\u0a82\u0aa4\u0abf\u0aae \u0aae\u0abe\u0ab0\u0acd\u0a97\u0aa6\u0ab0\u0acd\u0ab6\u0abf\u0a95\u0abe: \u0aa4\u0aae\u0abe\u0ab0\u0ac7 \u0ab6\u0ac1\u0a82 \u0a9c\u0abe\u0aa3\u0ab5\u0abe\u0aa8\u0ac0 \u0a9c\u0ab0\u0ac2\u0ab0 \u0a9b\u0ac7"}]},{"@type":"WebSite","@id":"https:\/\/www.narayanseva.org\/guj\/#website","url":"https:\/\/www.narayanseva.org\/guj\/","name":"NSS India Gujarati","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.narayanseva.org\/guj\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.narayanseva.org\/guj\/#\/schema\/person\/791d6dea8f720217c69eea7c52e7eebd","name":"wordpress1","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.narayanseva.org\/guj\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/abbd6f003e7120e2fc1c73ade6872fa8?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/abbd6f003e7120e2fc1c73ade6872fa8?s=96&d=mm&r=g","caption":"wordpress1"}}]}},"_links":{"self":[{"href":"https:\/\/www.narayanseva.org\/guj\/wp-json\/wp\/v2\/posts\/10920"}],"collection":[{"href":"https:\/\/www.narayanseva.org\/guj\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.narayanseva.org\/guj\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.narayanseva.org\/guj\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.narayanseva.org\/guj\/wp-json\/wp\/v2\/comments?post=10920"}],"version-history":[{"count":2,"href":"https:\/\/www.narayanseva.org\/guj\/wp-json\/wp\/v2\/posts\/10920\/revisions"}],"predecessor-version":[{"id":25972,"href":"https:\/\/www.narayanseva.org\/guj\/wp-json\/wp\/v2\/posts\/10920\/revisions\/25972"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.narayanseva.org\/guj\/wp-json\/wp\/v2\/media\/10921"}],"wp:attachment":[{"href":"https:\/\/www.narayanseva.org\/guj\/wp-json\/wp\/v2\/media?parent=10920"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.narayanseva.org\/guj\/wp-json\/wp\/v2\/tags?post=10920"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}