When it comes to disability insurance, employers want to ensure that employees are covered and can easily access the coverage if they ever need to use it. However, there are some variables in these contracts that you should be aware of as an HR professional.

When a plan member/employee files a disability claim, there are a number of specific criteria to meet and rules to follow around when a person can make a claim, how long they can be out, when they can return to work and how they’ll be paid. Not understanding details of the plan can lead to miscommunication and a lot of headaches when someone needs to use their disability coverage.

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