There is an old saying that you get what you pay for. The adage applies to long-term disability insurance as well as to just about every other product and service a person can buy.
Life is difficult; much more so when illness or injury prevents a person from working. Some of the leading causes of long-term disability include arthritis, depression, chronic fatigue, back pain, heart disease, cancer, chronic pain and diabetes.
The age at which strokes are hitting people is dropping, according to a recent study. The average age at which people have a first stroke dropped by more than two years, researchers said.
It can be the result of a sudden onset of serious health problems or the erosion of fitness over an extended period. Regardless of how it comes about, long-term disability is a condition millions of Americans deal with every day.
The numbers are astounding: each year nearly 800,000 Americans suffer stroke. Stroke is the fifth leading cause of death in the United States, killing a person every 4 minutes. And stroke is the number one cause of disability in the nation, says stroke.org.
The numbers might jump out and surprise some readers of our Milwaukee employment law blog, but here it is: 1 in 5 Americans are disabled.
When we think of Wisconsin farms, we often think of pastoral settings in which hard work makes for plentiful harvests. Yet a recent government study shows that among men, farmers and forestry workers have the highest rates of suicide.
Employment benefits are an important consideration when seeking and accepting new employment, as well as remaining with an employer, and can be a significant source of support for employees both during their working years and after they retire. This is why it is so important to work with an experienced attorney when employment benefits are wrongly denied.
Being involved in a long-term disabilities dispute in Wisconsin can be extremely stressful. This type of dispute unfolds when an employee, such as yourself, is denied benefits that are rightfully deserved after an accidents or serious medical condition has put that employee out of work. Not only could you be out of your job, but the continuous denial of benefits could mean that your income is limited to non-existent. You might also lose your health benefits until your claim is recognized.
In 1974, the Employee Retirement Income Security Act was passed and made law. This act set minimum standards to be met by pension and health plans that were established by the individual, as well as protection to ensure coverage through these plans. In other words, a person who has or develops a long term disability cannot be denied their benefits due to having that disability. If they are denied benefits, the employer or employer’s insurance provider could be held liable and sued.