The changing employee benefits environment is causing many employers to reallocate costs. However, in their quest to trim expenses, employers still need to balance offering a robust benefits package to retain and attract the best employees. To do this, some are shifting from employer-paid ancillary benefits — including long-term disability insurance — to employee-paid benefits available on a voluntary basis.

One side effect of shifting LTD coverage to employees is that they can choose not to elect coverage and work through a disabling illness or injury. This can contribute to lost productivity and increased health care costs for an employer. That’s why it’s important for employers to do everything they can to maximize enrollment.

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