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Disability Insurance

Home » Disability Insurance
It’s Time to Update Your Salaries
By Pete Miller
In Disability Insurance
Posted January 20, 2020

It’s Time to Update Your Salaries

Most group life and disability plans base premium and claims payments on employees’ salaries.  Employers have some latitude in how they define covered earnings, and it’s important that you [...]

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Is LTD Enough?
By Pete Miller
In Disability Insurance, Updates
Posted December 24, 2019

Is LTD Enough?

A large percentage of our clients provide group long term disability (LTD) plans for their employees.  While it’s often overlooked as a major part of the benefits package by healthy [...]

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Paying for COBRA on Disability
By Pete Miller
In Disability Insurance
Posted December 10, 2018

Paying for COBRA on Disability

Last week I was enrolling the employees of a new client in a supplemental long term disability (LTD)income insurance program.  These individual policies are designed to supplement a group LTD [...]

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Understanding Short Term Disability Maternity Claims
By Pete Miller
In Disability Insurance
Posted October 15, 2018

Understanding Short Term Disability Maternity Claims

Last week, I had a good conversation with one of our client’s employees.  She’s having a baby in December, and she wanted to know how her group short term disability (STD) plan would [...]

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Sometimes the Small Print is a Good Thing
By Pete Miller
In Disability Insurance
Posted June 11, 2018

Sometimes the Small Print is a Good Thing

Several of our clients have implemented executive disability plans – employer-paid individual policies designed to supplement the group LTD plan for a select group of management employees.  [...]

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Your Earnings Definition Can Cause Claim Problems
By Pete Miller
In Disability Insurance, Healthcare News
Posted February 2, 2018

Your Earnings Definition Can Cause Claim Problems

The definition of covered earnings in a group life and disability contract matters.  It dictates how much premium should be paid and how much will be paid in claims.  Here’s an example. [...]

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Trial Work Days and the Disability Insurance Elimination Period
By Pete Miller
In Disability Insurance
Posted December 12, 2017

Trial Work Days and the Disability Insurance Elimination Period

Several of our clients offer disability income insurance for their employees.  We’ve recently had two different employees negatively impact their disability claims by trying to return to [...]

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How Employer Generosity Caused a Disability Claim to be Denied
By Pete Miller
In Disability Insurance
Posted October 26, 2017

How Employer Generosity Caused a Disability Claim to be Denied

I’m impressed almost every day with the sincere concern employers have about their employees’ well being.  In many cases, payroll and employee benefits and numbers 1 and 2 on the list [...]

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Don’t Forget Your Residual Disability Provision
By Pete Miller
In Disability Insurance
Posted August 4, 2017

Don’t Forget Your Residual Disability Provision

Last summer we got a call from a client’s employee.  He’s a surgeon, and he was having some progressively worsening health issues.  He had surgery scheduled, and he wanted to talk [...]

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