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.
Long-term disability benefits are notoriously difficult to attain due to the fact that the long-term disability insurance companies often look for any opportunity to deny the claim. Although long-term disability insurance is designed to protect employees in the event they become disabled prior to retirement, they do not always pay the benefits to which claimants are entitled. In Wisconsin and on a national level, the debate continues as reform for long-term disability becomes necessary.
Americans receive unfair long-term disability denial claims every single day despite serious illness and injury. Some insurance companies love to take money in premiums but often hate to pay claims. Simply stated, in a profit-making insurance company; shareholders come first, policyholders come second. Wisconsin policyholders have the right to take action if their claim is denied. Recently, one policyholder filed a lawsuit against an employer for failure to accommodate long-term disability coverage.
With increasing frequency, insurance companies are wrongfully denying persons disability benefits as a means to increase corporate profits. There are new challenges that continually present themselves in the battle for long-term disability benefits. Recently, legislation was set in motion to change benefits for employees in Wisconsin.