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Long-Term Disability Benefits Archives

Wisconsin teachers worried that long-term disability dropped?

Some teachers in a county of Wisconsin are unsure if they will be able to receive some of the benefits that the school district is scheduled to discontinue. The members of the Kenosha school board have made a decision to drop some of the coverage for teachers, both still active and retired. One of the considered changes that has caused the most discontent and uncertainty is the long-term disability benefits. The Wisconsin school district authorities have stated that the rising costs of all benefits and insurance are the main reason that they have decided to discontinue it.

With long-term disability and jobless: 6 out of 10 in Wisconsin

A report issued by an advocacy group showed that about 124,000 working age men and women with disabilities in Wisconsin were employed in 2011. The report also showed that 210,000 men and women with disabilities were also jobless during that same time. That works out to six out of 10 working age individuals with a long-term disability having been unemployed in America's Dairyland State in 2011.

ERISA and DOMA: Where you live, where you work

When federal laws are enacted, they apply to all 50 states. For example, the Employee Retirement Income Security Act provides rules and requirements for qualified retirement plans provided by employers from 401(k)s to long-term disability insurance. Although this law applies to all 50 states equally, does it affect residents in Wisconsin the same way it does in Minnesota? The answer is, not always.

Wisconsin grain accidents lead to death, long-term disability

A recently released report by the Occupational Safety and Health Administration (OSHA) and the Wisconsin Agri-Business Association (WABA) suggests that grain handling is an area in which safety improvements can be made. Workers within the grain industry are exposed to a wide range of risks associated with grain handling, and the partnership between OSHA and WABA was created in 2012 to address safety issues pertaining to grain workers. Representatives from the two organizations meet quarterly to discuss worker education programs and other ways to reduce the occurrence of injuries that could lead to long-term disability and even death.

Long-term disability benefits approved after 2 year battle

Another state has joined the ranks in support of the injured and disabled. A doctor in a northern state had filed a long-term disability benefits claim stating that he was not able to work because of severe pain in his back. The insurance company denied his claim, so he appealed his case in federal court. His appeal was denied based on a discretionary clause in the insurance company's policy that required judges to review cases not on the merits of the claim, but on whether that denial met that insurance carrier's own standards. In Wisconsin and other states across the country, discretionary clauses like this one are still allowed, although it appears that this is changing rapidly.

Disability Insurance Awareness Month is here

May is Disability Insurance Awareness Month, which means it is a good time for Wisconsin residents to make sure that they understand their disability options. Disability insurance is an important lifeline for those who become disabled before retirement, and this happens much more frequently than most people realize. The Social Security Administration estimates that one-quarter of today's 20-year-olds will become disabled prior to retirement.

Reasons your disability insurance claim may be denied

We often discuss wrongful long-term disability insurance claim denials in this blog. Many of our readers might wonder why it is that disability insurance companies deny claims so often. The answer to this is complex, as there are a number of reasons claims might be denied, but a recent Huffington Post column discusses a few of the issues.

After 2 appeals, man finally wins long-term disability case

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.

Company changed disability insurance plan after man is disabled

Many Milwaukee area residents participate in their employers' long-term disability plans as a part of standard employee benefits packages. Other Wisconsin residents may have purchased their own disability benefits policies from insurance companies. People invest in such insurance coverage because it is important to have a lifeline in place should one become disabled before retirement.

Woman sues former employer when long-term disability benefits end

When someone's long-term disability benefits claim is denied in Wisconsin, it may be important to seek legal counsel to determine whether the insurer is making a mistake or even acting in bad faith. Long-term disability insurance is a safety net so that workers will have a source of income should they become disabled prior to retiring, but unfortunately, it can be very difficult to obtain benefits.

Alan C. Olson & Associates | 2880 S Moorland Rd | New Berlin, WI 53151
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