| If you work in at a job that holds many work place | | | | will become disabled before reaching 67. If an |
| hazards with high rates of work-related injury, you | | | | employee loses their livelihood, he is likely to bring a |
| may be wondering if there is anything that can help | | | | personal injury lawsuit on his or her employer. The high |
| you in the event of an accident. Ask your employer if | | | | cost of fighting and possibly paying damages in a |
| the company has long term disability insurance or LTD. | | | | lawsuit far outweighs the monthly cost of LTD |
| LTD insurance is different from workman's | | | | insurance. |
| compensation insurance which most employers have. | | | | This type of LTD insurance is called Group long term |
| Workman's compensation only pays for the initial | | | | disability. Employers have the choice of providing |
| medical costs of injured workers. But serious injury | | | | coverage for all employees or making participation in a |
| does not end at medical costs. On the job injuries are | | | | program elective if they choose to pay. |
| often so severe that become disabling. Workers may | | | | When LTD Insurance Companies Deny Employee |
| not be able to perform their learned trade because of | | | | Claims |
| the injuries they received for long periods of time. | | | | If an insurance company denies income reimbursement |
| Some will never be able to work in their chosen field | | | | for a covered employee who was injured at work, it is |
| again. When this happens, along with medical and | | | | mainly up to the employee to contest the decision. As |
| rehabilitation bills, they are losing income. | | | | an employer, you can try to steer your employee in |
| Long term disability insurance is an answer to this | | | | the right direction and provide them with any |
| problem. LTD offers income reimbursement up to a | | | | necessary information about contesting a decision, but |
| certain percentage depending on your plan and the | | | | in the end, the most important aspect of appealing is |
| extent of the injuries. LTD can provide income for | | | | personal medical information. Only an employee has |
| years, or in some instances, until retirement. | | | | access to the necessary documents needed for him |
| Why LTD Helps Employers | | | | or her to have a fighting chance of getting the decision |
| The chance that an employee working in hazardous | | | | overturned. |
| conditions will become disabled at some point is | | | | For more information on group long term disability |
| actually fairly high. In fact, almost 3 in 10 20 year-olds | | | | insurance, visit Indianapolis lawyers. |