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