Although the voluntary benefit sector is one of the fastest-growing in America, many employees still don’t have a plan to protect their income if they become unable to work for an extended period of time. When those considerations extend beyond the short term to something that could create a permanently disabling condition, employees not only require income protection, but also a roadmap to return to work. Finding ways to provide both remains among the most significant demands of employer long-term disability plans.

Most Americans are living paycheck to paycheck, yet employers continue to seek ways to defer costs, and employees are asked to shoulder a greater share of their benefit costs. In part, that explains why only 30% of the workforce is covered by some benefit, despite the demonstrable need to protect their income in such a climate.

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