If you drive about 180 miles northwest of Milwaukee, you'll arrive at Fort McCoy. Primarily a training base, the 60,000-acre facility is home to the IHG Army Hotel that provides lodging to military personnel and their families, contractors and other visitors.The...
Americans With Disabilities Act
3 common reasons why long-term disability claims get denied
Long-term disability insurance is an important safety net. As a form of private insurance, it provides coverage for those unable to work due to crippling medical conditions. Keen to protect their bottom line, however, insurers often find reasons to deny claims....
Part-time work and its effects on long-term disability
Unfortunately, many employees rely on long-term disability to recover from severe injuries or life-changing diagnoses. It's not only workers with dangerous workplaces or treacherous positions that are eligible. However, long-term disability may not cover the full...
The value of long-term disability insurance
Long-term disability insurance often gets overlooked by American workers. Some do not think they need it because they remain healthy and expect to stay that way for the rest of their lives. No serious injury or chronic medical condition will ever happen to them....
Americans with Disabilities Act marked its 30th year
July marked the 30th anniversary of one of country’s landmark civil rights laws that sometimes get overlooked, but not if you are a disabled person. The Americans with Disabilities Act (ADA) of 1990 was signed into law that year by President George H.W. Bush on July...
Regulator: Insurers cannot discriminate against transgenders
In a move in tandem with the landmark U.S. Supreme Court decision making it illegal for employers to discriminate against gay and transgender workers, Wisconsin Insurance Commissioner Mark Afable declared that the same holds true when it comes to health care coverage...
After 30 years, the ADA is still protecting disabled workers’ rights
Few pieces of legislation are remembered decades after enactment. Along with the Civil Rights Act of 1964, the Clean Air Act of 1970 and 1965's Voting Rights Act, the Americans with Disabilities Act (ADA) is remembered for changing the course of history.Signed on July...
Cognitive impairment may qualify you for long-term disability
Cognitive impairment disrupts the lives of many people in the U.S. Their personal and professional lives may be changed forever, and challenges likely surface at every turn. A person who suffers from cognitive impairment has difficulty remembering, understanding,...
The most common reasons for long-term disability claims
Life is unpredictable, even for younger Americans. The onset of a debilitating condition can come quickly, sometimes with little warning. According to federal estimates, about one in every four 20-year-olds today will become disabled before they reach the age of 67....
What can I do when my long-term disability benefits end early?
When you’re receiving long-term disability benefits, you may be surprised to discover a sudden reduction in your payments. Even worse, your benefits may be terminated altogether. It’s important to understand what options are available if you find yourself in this type...