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 [...]
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 [...]
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 [...]
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 [...]
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. [...]
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. [...]
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 [...]
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 [...]
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 [...]