The holidays are a time of being surrounded by loved ones and celebration. However, such time spent together can reveal the declining health of a relative. Caring for a family member as they grow older and less able to care for themselves may seem daunting, especially if geographical factors keep relatives far apart. For some Wisconsin residents, long-term disability benefits can take the financial burden of healthcare away, leaving only peace of mind in its place.
Injury or illness can keep individuals out of work and facing financial challenges, and applying for long-term disability benefits can be complex and long-winded. Disabled or injured workers in Wisconsin can take steps to secure the benefits deserved in a time of need. Recently it was noted that, as Wisconsin's FoodShare program begins to take a hit, many long-term disability recipients may be affected.
Americans receive unfair long-term disability denial claims every single day despite serious illness and injury. Some insurance companies love to take money in premiums but often hate to pay claims. Simply stated, in a profit-making insurance company; shareholders come first, policyholders come second. Wisconsin policyholders have the right to take action if their claim is denied. Recently, one policyholder filed a lawsuit against an employer for failure to accommodate long-term disability coverage.
With increasing frequency, insurance companies are wrongfully denying persons disability benefits as a means to increase corporate profits. There are new challenges that continually present themselves in the battle for long-term disability benefits. Recently, legislation was set in motion to change benefits for employees in Wisconsin.
Seeking long-term disability benefits can be long and arduous road. Access to medical innovation is responsible for keeping large numbers of United States. residents off long-term disability who would have otherwise joined them. Recent reports in Wisconsin reveal that a new drug therapy method reduces functional disability and the need for long-term disability benefits.
Some teachers in a county of Wisconsin are unsure if they will be able to receive some of the benefits that the school district is scheduled to discontinue. The members of the Kenosha school board have made a decision to drop some of the coverage for teachers, both still active and retired. One of the considered changes that has caused the most discontent and uncertainty is the long-term disability benefits. The Wisconsin school district authorities have stated that the rising costs of all benefits and insurance are the main reason that they have decided to discontinue it.
A report issued by an advocacy group showed that about 124,000 working age men and women with disabilities in Wisconsin were employed in 2011. The report also showed that 210,000 men and women with disabilities were also jobless during that same time. That works out to six out of 10 working age individuals with a long-term disability having been unemployed in America's Dairyland State in 2011.
When federal laws are enacted, they apply to all 50 states. For example, the Employee Retirement Income Security Act provides rules and requirements for qualified retirement plans provided by employers from 401(k)s to long-term disability insurance. Although this law applies to all 50 states equally, does it affect residents in Wisconsin the same way it does in Minnesota? The answer is, not always.
A recently released report by the Occupational Safety and Health Administration (OSHA) and the Wisconsin Agri-Business Association (WABA) suggests that grain handling is an area in which safety improvements can be made. Workers within the grain industry are exposed to a wide range of risks associated with grain handling, and the partnership between OSHA and WABA was created in 2012 to address safety issues pertaining to grain workers. Representatives from the two organizations meet quarterly to discuss worker education programs and other ways to reduce the occurrence of injuries that could lead to long-term disability and even death.
Another state has joined the ranks in support of the injured and disabled. A doctor in a northern state had filed a long-term disability benefits claim stating that he was not able to work because of severe pain in his back. The insurance company denied his claim, so he appealed his case in federal court. His appeal was denied based on a discretionary clause in the insurance company's policy that required judges to review cases not on the merits of the claim, but on whether that denial met that insurance carrier's own standards. In Wisconsin and other states across the country, discretionary clauses like this one are still allowed, although it appears that this is changing rapidly.