The sudden and unexpected onset of an injury or illness can leave you unable to work for a significant period of time. When that happens, you can be left feeling stranded, unable to acquire the financial resources needed to make ends meet. While that can be stressful...
Long-term Disability Benefits
What are my options after a long-term disability denial?
Among other things, the Employee Retirement Income Security Act (ERISA) governs plans that cover workers in case they become disabled prior to retiring. For Wisconsin workers, this can be something of a security blanket to keep them from financial turmoil and fear...
Long-term disability benefits in Wisconsin
Short and long-term disability benefits are meant to cover a portion of your income if you become disabled. Your disability can be caused by an injury or an illness and does not need to be work-related. There are many different conditions that could qualify as a...
Learn about ERISA and your long-term disability insurance
When you work for a company in Wisconsin that offers disability insurance, you should understand what you would need to do if you're temporarily or permanently disabled. ERISA, or the Employee Retirement Income Security Act of 1974, is a federal law affecting...
Is long-term disability coverage worth the cost?
Folks in Wisconsin aren't averse to planning. They plan vacations, holidays, and big events in their lives. However, one thing that few people plan for is becoming disabled. It may appear in the minds of those who work in a hazardous industry or have a family history...
Was your long-term disability benefits claim denied?
When you’re unable to work due to a physical or mental condition, you will hope that you will receive long-term disability benefits through your employer’s insurance policy or your own insurance policy. Unfortunately, the denial of valid claims happens all of the...
What should I know about LTD pay elimination periods?
When you can't work because of a long-term injury or illness, you have a lot of concerns about how you'll pay your bills. You may soon exhaust your short-term disability coverage and need to make a long-term disability (LTD) claim. However, what you may not realize is...
How likely is it that I’ll use my long-term disability benefits?
Whenever you take a new job, you have a lot of paperwork to fill out and decisions to make. Do you have options as to what health plan you’ll receive? How much will you contribute to your 401K? Will you sign up for short-term and long-term disability insurance? If...
More than half of U.S. workers forgo disability insurance
The majority of U.S. workers haven’t protected their income with disability insurance, opting to forgo short-term or long-term disability benefits through their employer, according to recent claims data. Even more surprisingly, 7 out of 10 baby boomers don’t have...
The basics about long-term disability insurance
Long-term disability provides a safety net for people unable to work for long periods of time due to debilitating illnesses, severe injuries or a sudden accident. Many families find themselves at a crossroads in such situations because they face financial ruin without...