Both short-term disability income insurance (STD) and long-term disability insurance (LTD) benefits are included in many employee benefit packages. LTD policies union vs. non-union comparisons reveal that there is usually
Individuals on long-term disability income insurance (LTD) often have questions about their ability to travel abroad. These questions may be particularly urgent for individuals who have been diagnosed with progressive
Long-term disability insurance (LTD) replaces a portion of your pre-disability income if you are sick or injured and unable to work. Behind this deceptively simple definition, however, are a host
Individuals who see their claims for long-term disability insurance (LTD) benefits approved often feel overwhelming relief. Often, however, this approval is just one step in your long-term disability journey. Particularly
Long-term disability income insurance (LTD) replaces a percentage of an individual’s pre-disability income when he or she is forced to leave work before retirement due to a covered disability. Most
Long-term disability income insurance in the United States, popularly called “LTD,” aims to replace a percentage of the income an individual was earning prior to becoming disabled. The public “safety
Most long-term disability insurance (LTD) has long been obtained as an employee benefit. Current developments in long-term disability coverage, however, reflect the realities of a workforce in which the scope
Long-term disability income insurance (LTD) is designed to replace a portion of the income an individual loses if he or she suffers illness or injury and is no longer able
Long-term disability income insurance (LTD) is not usually subject to the continuation of coverage mandates established for employer-sponsored health insurance plans, or to the federal rules that apply to some
Most long-term disability insurance (LTD) policies are employer-sponsored group plans. However, self-employed individuals and those working for employers who do not offer LTD can choose to purchase individual long-term disability
