| Most employers offer some kind of disability insurance, | | | | sick or injured than dying. Disability coverage will aid in |
| but you should find out exactly what your employer | | | | the financial stability should you suffer and accident or |
| offers before you have a claim to file. Most allow | | | | get seriously ill. While distasteful financial discussion |
| some short-term sick leave, which might last from a | | | | need to clearly address Injuries or illness and rather |
| few days to as much as six months. The trauma of | | | | you should have short or long term disability coverage |
| being unable to work for the family bread winner can | | | | to meet those needs. If and accident or illness occur |
| be a devastating financial hardship. The injured worker | | | | and you are out of work for and extended period of |
| is left feeling alone with there suffering. | | | | time having coverage in place will be most beneficial to |
| After you have experience a severe injury or | | | | you and your family. |
| sickness injured workers struggle to cope with their | | | | Check with your benefits department to see if you are |
| losses. When diagnosed with injury or illness which | | | | covered and if so, how long you must wait before |
| keep you from working. Literally means you are unable | | | | benefits begin and how long payments will last while |
| to work for and extended period of time to earn and | | | | you are still disabled , ask if your employer's disability |
| income to support your family. Your inability to return to | | | | plan takes other disability programs, such as Social |
| work give you symptoms of depression. Felling | | | | Security, into account when calculating your disability |
| powerless with the insecurity and anger suffused with | | | | pay. |
| thoughts of struggling with the monthly expenses. The | | | | No laws require employers to offer long-term disability |
| doubts of not knowing when you will be returning to | | | | (LTD) coverage, but about half of large and mid-sized |
| work weigh heavy on your mind. | | | | employers offer it to their workers. Typical group |
| Although down played when discussed by the bread | | | | long-term disability benefits replace about 60 percent |
| winners about how much is needed for house hold | | | | of the worker's usual salary. These benefits usually |
| expenses. When you do not have the ability to earn | | | | start when short-term benefits are exhausted and |
| while unable to work you need the funds for the | | | | continue from five years to life. Usually, group |
| incoming expenses. Coping with the stress of serious | | | | long-term disability insurance is fully paid for by |
| injury or sickness lead to having symptoms of | | | | employers, with no contribution expected from |
| depression. The impact on the family inability to adjust | | | | employees. When you receive employer-paid disability |
| to not having the funds to run the house in the manner | | | | income, you must pay federal and state income tax on |
| they had become accustomed to before the injury or | | | | the benefits, unless your company pays it for you. |
| sickness happen. | | | | (Source:Insurance Information Institute). |
| There is a greater chance of younger work getting | | | | |