Category Archives: Disability
Elimination Periods for LTD and LTC Policies: Here’s What You Should Know
If you have long-term disability (LTD) or long-term care (LTC) insurance, your policy will have what is known as an elimination period associated with it. Understanding what elimination periods for LTD and LTC policies are and how they can impact your current or future claims…
401(k) Disability Protection Programs
Some employers offer 401(k) disability protection programs for your 401(k) savings in addition to long-term disability (LTD) coverage. Traditional disability insurance replaces a portion of your working income if you become disabled. However, traditional LTD insurance does not provide the ability to set aside 401(k)…
Qualifying and Applying for the Colorado PERA Disability Program (Pt. 1)
When the employees of public agencies get hurt, the Colorado PERA (Public Employees’ Retirement Association) Disability Program may provide them with essential benefits to help them recover and get back to work. In this two-part blog series, we will provide you with an overview of…
October is National Disability Employment Awareness Month
While the month of October rings in the fall season, it also marks the Department of Labor’s (DOL) National Disability Employment Awareness Month (NDEAM). NDEAM is a nationwide campaign intended to increase the awareness of disability employment issues while celebrating the various contributions made by…
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