Many employees and employers live with some form of disability, whether it is physical, mental or emotional. Advisers who handle clients with disabled employees can assist them by offering a strong support system that not only educates employees and employers on what goes into a short- and long-term disability benefit, but also making sure employers can accommodate the employee upon return to the workplace.

Brian Kost, director of the Workplace Possibilities Program at The Standard, says the first and most important rule when offering disability assistance in the workplace is ensuring a strong partnership with the disability carrier. Having that strong partnership, he says, will lead to better communication among all parties.

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