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.

Understandably, a disability can place financial pressure on a family. A person’s chance of becoming disabled for half a year or longer is much higher than his or her chance of dying — if he or she is under the age of 65. Long-term disability offers the benefit of providing incapacitated employees with financial assistance when they need it the most.

The most ideal policy is one that covers an ill or injured employee’s cash needs. It’s also worth noting that long-term disability plans feature an elimination period, which is the amount of time a person must wait before he or she can get benefits. This time period could range from 30 to 180 days, with shorter waiting periods being more expensive. In addition, the benefit period — the amount of time a person receives insurance payments — can range from two years to life.

When an individual’s long-term disability claim is denied, the situation can be harrowing. This is particularly true if the employee is his or her family’s primary breadwinner. A working understanding of disability-related laws in Wisconsin may help a worker to move forward with a claim for the insurance benefits to which he or she may be entitled.

Source: Quality Magazine, “Are You and Your Business Prepared To Handle Long-Term Disability?“, Bryan Berson, April 1, 2014

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