Disability Awareness Month

May is Disability Awareness Month. Short and Long Term Disability benefits play a role in helping protect employees from financial disaster. However, employees should understand the elements of Short or Long Term Disability benefits before they agree to payroll deduction.

Every Short or Long Term Disability policy holder needs to research the policy being offered by their employer and make sure that they understand the terms of the policy. You can be robbed of your peace of mind if you purchase a short or Long Term Disability benefit plan without fully understanding what’s covered, what’s excluded and what benefits you might be entitled to if you become disabled, you also need to understand what conditions are covered and which are excluded from coverage. Misunderstanding your Long Term Disability policy terms can be a costly mistake if you become disabled.