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Personal Injury Lawyer

Is a Group Disability Policy a Good Idea?

Its better to find out about your long term disability policies before you are on long term disability. As an employee, it’s likely that you won’t get a chance to decide between different companies and their policies. The human resources department has already chosen what policy they want for the company and you’re stuck with it. If you’re lucky, your employer has chosen a good policy. But sometimes they might try to save a few bucks and get by with a cheap policy.

So what can I do about it?

The best thing you can do is review your policy. Because the disability coverage was purchased by your company, you can’t negotiate anything yourself. Instead, you have to go to the human resources department to see what can be changed or find your own private policy.

Warning signs to look out for in a long-term disability policy:

  • Anything giving the insurance company the “judgment” to decide your benefits.
  • Defining your long-term disability as not being able to perform any of your job functions.
  • Income protection that pays less than 60 percent of your preceding year’s income.
  • Noting that benefits will be terminated if you are able to work part-time, but don’t.
  • Benefits which are conditional to securing Social Security disability benefits.
  • Any restriction on benefits for fibromyalgia or chronic fatigue syndrome.

If any of these terms are in your long-term disability policy, someone either purchased a cheap policy or didn’t understand the conditions of the policy. Sit down and read your policy to determine if you are covered in the event of a disability.

If you have had a Kansas car wreck injury that was not your fault and need medical treatment, you need an experienced professional who can help you get back on the road to recovery. Call us today at 316-269-1414 or visit our contact page here. Our Kansas personal injury attorneys will provide you a free initial consultation and if we take your case you don’t pay a dime unless we recover money for you. Even then we only take a percentage of the total amount of your recovery.

If you have questions on what you should be looking for when you are making a decision to hire a Kansas personal injury lawyer, read our article located here.

Make sure you download our free car accident app for iPhone or Droid to protect yourself in event of an auto accident.

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Ray Hodge & Associates proudly represents victims and their families across the state of Kansas, including Wichita, Andover, Derby, Goddard, Haysville, Mulvane, Rose Hill, Newton, El Dorado and Hutchinson. Call today for a free consultation all over the state of Kansas. We have proudly served clients in Sedgwick, Butler, Sumner, Harvey, Kingman and Reno Counties.