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.
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 who are unable to perform their jobs due to an injury may be able to apply for disability benefits. These benefits may replace some or all of the income lost as a result of that inability. As many as 25 percent of all workers are expected to become disabled before age 67, according to the Social Security Administration.
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.
When an individual cannot work due to a disability, Long-Term Disability Insurance can help by replacing some of the income that would have been earned over an extended time. People whose employers have paid a monthly premium are covered by LTD.
Wisconsin employees may be interested in an article discussing some of the characteristics of long-term disability insurance. While this type of insurance is very beneficial to employees should they be unable to work, there may be difficulty in getting the insurance company to approve the claim.
Wisconsin employees may be interested in an article discussing some of the issues surrounding disability insurance in America. Even though more employers are offering this type of insurance, fewer employees appear to be taking advantage of these benefits.
People regularly go to work and come back home, rarely thinking about what would have if they ended up being disabled long-term. In these situations, long-term disability benefits are a must, and that goes for people both young and old. When one's disability claim is denied, a person might feel hopeless. However, he or she can fight for his or her disability compensation rights in Wisconsin.
Even though most people prefer not to think about worst-case scenarios when it comes to their health, the truth is that illness can strike anyone at any time in Wisconsin. Long-term disability insurance can help people avoid worrying about their finances so that they can put more focus on becoming healthy again. However, finding out that an insurance company denied a claim can spark fear and desperation. With proper legal guidance, an individual can work to claim the benefits he or she initially was promised by the company in the case of disability.