We hope that you never have to learn about your long-term disability benefits by having to call upon them. But unfortunately, the reason why such benefits exist is because sometimes people just like you can find themselves suffering from an injury or illness that keeps them from working for lengthy durations.
While most associate having a stroke with being in the later years of life, the truth is strokes can happen to just about anyone. In fact, one out of every three deaths in Wisconsin are related to either strokes or heart disease, many of whom are under the age of 65. Unfortunately, strokes are not just a minor inconvenience, either. With the main damage being in the brain, it can take years to fully recover, and sometimes full recovery never happens, leaving victims with a crippling disability.
When you are dealing with claiming disability, having the insurance company act unfairly toward you can be a huge setback. Not acting expeditiously and justly towards clients is called "acting in bad faith." This is not only aggravating, it is illegal.
When you are suddenly unable to work, the effects can be devastating if you do not immediately file for disability. Knowing whether you need to file for short-term or long-term disability can be tricky, depending on the circumstances. On one hand, you may feel like you just need to be insured for a few months. On the other hand, you may be unsure just how long it will take to recover. Each have their benefits and drawbacks.
In a decision that could have a significant impact on employees in Wisconsin and around the country, the U.S. Supreme Court ruled on March 25 that a worker who claimed that she had been the victim of discrimination by her employer on account of her pregnancy was entitled to have her case reheard. In its 6-3 decision remanding the case to the lower court for retrial, the court indicated that the plaintiff should have another opportunity to demonstrate that the actions of her employer were in violation of the Pregnancy Discrimination Act.
As some Wisconsin workers may know, long-term disability insurance is useful as a way to support themselves and their family if they are unable to work. Due to economic changes and the introduction of new health care laws, many employers no longer pay for coverage. In addition, LTD insurance benefits are limited to 60 percent of one's monthly salary, and an employee-paid supplement may help. Generally, such riders are inexpensive, and it may be possible to obtain one through one's employer.
Being faced with the inability to work can be stressful for a Wisconsin employee. As your health is affected because of a disabling condition, it is important to address the challenges that could result. Being unable to continue to work can be an extreme financial issue, but disability insurance is meant to counter this by providing an income. Unfortunately, you may find that an insurer is unwilling to honor its policy.
Chronic pain is becoming an increasingly common diagnosis for employees across the nation, and Wisconsin residents dealing with such issues can be affected in their ability to work. In some cases, chronic pain may even be connected to work-related activities. If you are attempting to continue in your job while enduring such pain, you may find that your performance is affected significantly. In some situations, disability accommodations or benefits may be needed.
Wisconsin employees may be interested in learning more about applying for disability benefits, as well as denials and cancellations. In order to receive an application and an estimate for compensation, people interested in obtaining disability benefits are advised to contact the Department of Employee Trust Funds by phone or in writing. Employees are required to file a series of forms and are prohibited from applying for these benefits before the last day on the job.
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.