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Employer benefits of long term group disability insurance

As a business owner, human resources professional or employee, it is important to have a solid grasp on benefits, including which ones are provided.

Long term disability insurance is offered by many companies thanks to a variety of benefits. With this, employees are able to receive money, despite the fact that they are unable to work due to any type of disability, such as an illness or injury.

While the benefits to workers are easy to understand, employers must also realize that buying group disability insurance can bring a lot of good to their company. Some of the employer benefits include the following:

— Cost: A group rate is much more affordable than rates for individual buyers.

— Convenience: The cost of group disability insurance can be deducted from payroll, making it easy to stay current without ever worrying about missing a payment.

— Peace of mind: There is nothing more important than knowing that your employees are going to be taken care of in the event of a disability.

— Selling point when hiring new workers: Potential employees want to know about the benefits they will receive if they join the company. Long term disability insurance is a benefit that most people want to receive.

There are many benefits of long term group disability insurance, both to employees as well as the companies that offer the coverage. There are times when a worker is denied benefits for one reason or another. In this case, the person may have to file an appeal in hopes of changing the provider’s mind.

Source: Lincoln Financial Group, “Long-Term Disability Insurance” accessed Jan. 14, 2015

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