Jump To Navigation

Long-Term Disability Benefits Archives

What is long-term disability insurance?

Workers in Wisconsin may have questions about long-term disability insurance. Many employers offer this type of insurance as an optional benefit that workers can purchase through their employment. Many workers forgo this insurance, especially those that are younger who may feel that it is unlikely they will become disabled. However, choosing to purchase this type of insurance may provide some help to many people.

Features of disability insurance in Wisconsin

When an individual cannot work due to a disability, Long-Term Disability Insurance can help by replacing some of the income that would have been earned over an extended time. People whose employers have paid a monthly premium are covered by LTD.

Long-term disability benefits for Wisconsin workers

Wisconsin residents who are no longer able to work may be interested in learning more about long-term disability benefits. The law provides for two types of disability benefits, both of which are administered through the Social Security Administration. Social Security Disability Insurance is a benefit available to workers that contributed to Social Security and who become unable to work for an extended period of time. The other benefit is Supplemental Security Income, which is a need-based program. Injured workers must meet eligibility requirements to receive SSI.

Disputing denied disability benefits

As some readers in Wisconsin may know, certain individuals are able to seek federal disability benefits. However, even if an employee has adhered to the relevant guidelines for applying for long-term benefits, he or she might still be refused coverage. Many long-term disability benefits policies are handled directly by an employer or purchased as insurance. However, some insurers might not immediately provide benefits to an eligible employee.

The benefits and drawbacks of long-term disability insurance

Wisconsin employees may be interested in an article discussing some of the characteristics of long-term disability insurance. While this type of insurance is very beneficial to employees should they be unable to work, there may be difficulty in getting the insurance company to approve the claim.

Employers offer long-term disability insurance, but fewer enroll

Wisconsin employees may be interested in an article discussing some of the issues surrounding disability insurance in America. Even though more employers are offering this type of insurance, fewer employees appear to be taking advantage of these benefits.

Long-term disability helps both younger and older workers

People regularly go to work and come back home, rarely thinking about what would have if they ended up being disabled long-term. In these situations, long-term disability benefits are a must, and that goes for people both young and old. When one's disability claim is denied, a person might feel hopeless. However, he or she can fight for his or her disability compensation rights in Wisconsin.

Long-term disability insurance is like instantaneous savings

Even though most people prefer not to think about worst-case scenarios when it comes to their health, the truth is that illness can strike anyone at any time in Wisconsin. Long-term disability insurance can help people avoid worrying about their finances so that they can put more focus on becoming healthy again. However, finding out that an insurance company denied a claim can spark fear and desperation. With proper legal guidance, an individual can work to claim the benefits he or she initially was promised by the company in the case of disability.

Wisconsin long-term disability can help incapacitated workers

When people are working at a company in Wisconsin, they often focus primarily on their biweekly paychecks, paying less attention to fringe benefits such as long-term disability insurance. However, when an emergency occurs, this particular "benefit" can immediately become an absolute need -- one for which employees are grateful. If a worker's long-term disability claim is rejected by the insurance company, the individual certainly has the right to challenge the decision in order to seek any benefits to which he or she may be entitled in Wisconsin.

Jury awards $873,000 in long-term disability benefits suit

Many Wisconsin employers offer long-term disability benefits to their employees as a part of their benefits package. While not everyone recognizes the advantage of such a plan, when an individual becomes sick or disabled, this type of benefit plan can be quite beneficial. Recently, a worker in another state was awarded a substantial amount as a result of her long-term disability benefits claim being denied by the insurance carrier.

Free Consultation • Fill Out Our Employment Law Case Evaluation Form

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close
Visit Our Employment Law Website