Disability insurance

An employee’s return to work is fraught with compliance and productivity challenges. A disability carrier can help.

An employee’s return to work is fraught with compliance and productivity challenges. A disability carrier can help.

Firms should consider the benefits of adding such a policy, who pays the cost and how state regulations fit into the picture.

Companies should consider adjusting workloads and provide workers with a flexible schedule so they can go to doctors’ appointments.

This could include providing employees with a flexible schedule to attend doctors’ appointments and/or adjusting their workload.

Employers should pick the right carrier, make sure to provide reasonable accommodations for employees and leverage resources from services they’re already offering.

Employers should ask themselves how they are handling the Cadillac tax, if there is financial mischief occurring with pharmacy rebates and if they should amend plan documentation.

Advisers can help clients to create a cohesive approach for identifying and supporting an employee working through a health condition.

Meeting growing demand from millennial workers, more employers are implementing accommodations to assist employees when they come back from a leave of absence.

Advisers should encourage and assist employers to assess their DI management process to determine if it is meeting employee needs.