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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...
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...
Home improvement retailer Lowe's has two stores in the Milwaukee metro: one serving the north side of the city and nearby suburbs, and another for the south side of town and its suburbs. The chain of big-box hardware stores says on its website that it's building a...
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...
Many employers provide long-term disability insurance to workers. Employers usually fully pay for such policies. Providing long-term disability benefits is not a legal requirement, but companies consider doing so represents a strong lure that attracts prospective...
When you’ve been out of work for months because of a serious illness or injury, you may need to apply for long-term disability benefits. First, you need to have opted into your employer’s long-term disability insurance plan, plus have had coverage long...
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....
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....
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...
When filing for long-term disability and other benefits, employees have a safeguard under the Employee Retirement Income Security Act of 1974 (ERISA). This federal law essentially protects participants in employee benefits plans offered through private employers. The...
