Supplemental disability income plans are so mainstream today they are thought of as plain vanilla. That's all well and good until the other shoe falls. And it often does. When employers experience problems with existing voluntary disability plans, most of these issues can be traced back to when the plan was originally designed.

No one wants problems, particularly when they involve serious health or disability issues. As many an employer can attest, mistakes do occur, and they often create unnecessary complications and unhappiness.

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