An advantage of having employer-sponsored insurance policies is that you can typically get them for far less than it would cost to get your own. This is particularly true when it comes to disability policies. It can be reassuring to know that you have a long-term...
Disability insurance protects workers who are unable to work due to their medical condition. Employers offer this insurance type as a short-term disability (STD) policy, covering you immediately, or a long-term disability (LTD) policy, replacing your income should the...
It seems like every other month you get the same notice in the mail from your bank or credit union: A free offer of a $1,000 accidental death and dismemberment (AD&D) policy – just in appreciation for being their customer! All you need to do is sign the form they...
Even a simple broken arm seems catastrophic when it impacts your well-being and ability to earn. However, insurance companies and even courts might not share the opinion that your injury is catastrophic. Rest assured that you can get the settlement you deserve even...
Many employers offer short-term disability (STD), a type of insurance that pays a portion of an employee's salary when they are temporarily unable to work. STD benefits are payable at about 50%-100% of someone’s pre-disability earnings. These benefits are either...
If you have taken out disability insurance coverage on your own, you will need to work directly with the insurer. This includes obtaining information about the policies and paying premiums. Individual disability insurance can supplement a plan you get through work....
Employers can offer disability insurance as a perk to their employees. The employees will often buy into this plan in a group setting, so all of them are covered under the same general policy. If they get injured, then they can get benefits for a short-term...
As a policyholder, you expect the insurer to make good on their promise to cover your expenses when you need them to. After all, you have been paying insurance premiums faithfully as stipulated by the policy. However, it is not always smooth sailing. Some insurers are...
Many employees take certain benefits for granted, not realizing that their employer or other business could defraud them. The government has many laws in place to reduce the likelihood of people becoming indigent because of lies or misconduct by businesses. The...
You suffered a disability through injury, but you knew that you had a group insurance policy. This was provided by your employer, and it gave you some level of security. If you were disabled, the insurance policy was supposed to provide you with disability benefits....
