When people in Wisconsin sign up for long-term disability insurance coverage they expect the terms of the policy to be honored. Unfortunately, all too often once someone becomes disabled due to an illness or injury an employer or an insurer fail to hold up its side of the deal. When this does happen, the disability claimant does not have to give up without a fight.
As many workers in Wisconsin know, long-term disability is meant to protect workers if they are to become disabled before they retire. Sometimes, workers purchase a long-term disability policy directly from an insurer, and other times it is offered as part of an employment benefits package. As is generally the case with insurance, long-term disability insurance is an important safety net but we all hope we never have to use it. And, if we do have to use it, we may be in for a battle just to get the compensation to which we are legally entitled.