A relatively minor injury or illness can change the way in which you live and work for months, while a more severe condition that leads to a lasting disability can change the way in which you live the rest of your life. A long-term disability can impact your ability to work and to engage in the same activities
Suppose you sustain a disabling illness or injury that keeps you from performing your occupational duties. In that case, you might rest easier with the knowledge that you have employer-sponsored disability insurance coverage. What you might not be aware of is that the process of applying for and receiving benefits under an employer governed group disability insurance plan
For many injured or chronically ill employees, long-term disability benefits are the only way that they can continue to make ends meet. Without these payments, they wouldn't have any way to support themselves or their families. However, having your long-term disability benefits approved doesn't mean you will be able to receive them for as long as you think