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The Long-Term Disability Policy — Short Version

July 6, 2014 by The Insurance 411Leave a Comment

Every long-term disability policy has these key provisions. These include: Definition of disability: This key provision determines when — and if — the policy will pay benefits. Some policies define disability as the inability to perform material and substantial duties of one’s own occupation. Others pay benefits only when the insured cannot work in any...
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Filed Under: Employee Benefits   •  Group Disability Insurance

Disability Happens: Are Your Employees Insured?

July 6, 2014 by The Insurance 411Leave a Comment

Disabled Person

More than 1 in 4 of today’s 20-year-olds will become disabled before reaching age 67, according to recent studies. Disability can have a profound effect on an individual’s employability and income. U.S. Census figures show that only about a third (34.7 percent) of people with disabilities were employed, compared with 71.9 percent of people without...
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Filed Under: Employee Benefits   •  Group Disability Insurance

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