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Long-Term Disability Benefits Archives

Disabled Air Force vets welcome the IDES during every month

For the past 10 years, the armed forces have had to learn, the hard way, how to deal with increasingly complicated injuries and disabilities. A Wisconsin Air Force base recently hosted a conference about a new system, the Integrated Disability Evaluation System, that could very well serve as a model for private sector long-term disability initiatives.

House makes headway in canceling CLASS

The U.S. House of Representatives has hammered another nail in the coffin of the CLASS Act. A House subcommittee recently voted to repeal the law that the Obama administration had hoped would provide financial relief for seniors and people with long-term disabilities. The committee member from Wisconsin voted against repeal.

More strokes in teens, young adults mean more LTD claims (cont)

We are continuing our discussion of stroke and a growing concern in the medical community that teens and young adults are more vulnerable now than they had been in the past. The human cost is different for younger Americans: Less likely to die from the effects of a stroke, teens and young adults tend to suffer long-term disabilities that sap the energy and financial resources of their families.

More strokes in teens, younger men and women lead to more LTD claims

The U.S. Centers for Disease Control and Prevention issued a report a couple of years ago that shows that the risk of stroke is increasing among younger people. Between 2005 and 2008, the incidence of stroke in people age 15 to 44 increased by about 33 percent. Stroke, the leading cause of serious, long-term disability, is not just for old folks anymore.

New trend: Employees bearing more costs of long-term disability benefits

The new general trend in long-term disability benefits and short-term disability benefits is that employers are asking employees to shoulder more of the cost burden. Not only are employees being asked to pay more disability coverage, the length of coverage for short-term disability is shrinking and the wait for long-term disability to start is growing longer. Workers in Wisconsin may have experienced this new trend during the current enrollment for 2012 benefits.

Doctor who faced addiction can continue long-term disability benefits

Many workers in Wisconsin come to rely on their long-term disability benefits at some point in their working lives. Under some long-term disability benefit plans, the ability of workers to receive continued benefits may be reviewed after treatment. One doctor who became addicted to a potent painkiller initially lost her long-term disability benefits after she completed treatment for drug abuse. Fortunately, a federal court ruled in favor of returning her benefits.

The need to have and review your long-term disability benefits plan

Today more employers are trimming long-term disability benefits and at the same time pushing the costs of long-term disability coverage to employees. The sea change in how the cost of long-term disability benefits coverage may go unrecognized by many employees because a number of employers in the past covered the whole cost of long-term disability and because many employees focus more on healthcare coverage. Employees should be sure to review their long-term and short-term disability benefits.

How to double the interest rate on your LTD benefit award

In a long-term disability (LTD) benefits case, the district court has discretion to grant an award of prejudgment interest. Prejudgment interest has become a familiar remedy widely recognized by federal courts as a means to make a plaintiff whole against a malingering. The reason for adding interest to the award of LTD benefits is that money has a time value, and prejudgment interest is therefore necessary in the ordinary case to compensate a plaintiff ERISA for a loss suffered on a certain date but not compensated until later. Moreover, prejudgment interest is a well-established remedy for LTD claimants. Interest is not recovered according to a rigid theory of compensation for money withheld, but is given in response to considerations of fairness, the Supreme Court has ruled.

Professor's long-term disability benefits case heads back to court

A long-term disability benefits case involving a former professor from the University of Missouri System will go back to the trial court level after three appellate court judges overruled the initial decision regarding the case.

Lawyer's long term disability benefits restored because job found non-sedentary

Today many office jobs are generally considered sedentary and sometimes that classification can make it hard for an injured or disabled worker to gain long-term disability benefits. It turns out that some jobs believed to be sedentary are more active than generally believed. A federal judge recently restored the long-term disability benefits of an attorney whose insurance company labeled his position sedentary and ceased his benefits.

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