The Incredible Benefit Reduction: An Analysis of Long-Term Disability Insurance

Both short and long term disability insurance are important benefits that many employers provide to their employees. These benefits can provide a valuable safety net for employees who are fortunate enough to have an employer that includes them in their benefits package. However, is the perk as valuable as it sounds?

In most cases, if long-term disability is offered through your employment, the plan is governed by federal law known as the Employees Retirement Income Security Act of 1974, or ERISA. ERISA sets the application review times and the review standard for application denials, but it does not set out what should be in the disability insurance policy.



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About Antoine L. Cassell

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