Disability Insurance

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 [...]