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The nonprofit Council for Disability Awareness warns that the number of employees protected by private disability income insurance declined in 2011 for the third consecutive year, while the number of long-term disability claims continued to rise.
Top long-term disability insurance carriers paid $9.3 billion in 2011, according to the CDA, a 2% bump over 2010. Insured lives covered by employer-paid and employer-sponsored group long-term disability programs declined by half a percent.
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In addition to finding success with a self-funded model, an in-house program gives Fello's employees access to cost-free primary and urgent care.
Public sectors are approaching chronic disease support out of necessity, leading to benefits that build a stronger workforce.
While there has been a lot of state and federal headway in leave expansion, qualifying employees are still facing steep costs.
A financial spreadsheet alone cannot capture the total value and performance of a benefits program, nor can numbers on a ledger guarantee long-term operational success.
As costs to treat serious conditions surge, employers must plan how to absorb budget-altering expenses ahead of time.
