Disability insurance is necessary only for people with disabilities.

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a(n) clause should always be separated from the rest of the sentence by commas.

a(n) independent clause should always be separated from the rest of the sentence by commas.

an independent clause is a clause that can stand alone as a sentence (i.e., it expresses a complete thought). an independent clause, like all clauses, has a subject and verb. when there are no dependent clauses in the same sentence as an independent clause, the independent clause is a simple sentence.

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