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Checklist - Health and Disability Insurance

In addition to health care, and life insurance benefits, many employers offer disability insurance benefits to attract and retain employees. Typically, these employers offer both short-term disability and long-term disability insurance benefits. "" Some employers pay 100 percent of disability insurance premiums and give the benefits to all eligible employees. "" Others offer disability insurance benefits at discounted group rates and give eligible employees the option to elect coverage. "" Still others offer short-term disability insurance for free, and give eligible employees the option to elect long-term disability insurance at discounted group rates. This checklist will help you to determine if your company has a good health and disability insurance policy in place for all its directors, officers and employees.
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Checklist - Health and Disability Insurance 1. Is the insurer financially strong, with a good reputation? 2. Does the insurer have a good history of timely paying claims? 3. What are the exclusions from coverage?

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Checklist - Health and Disability Insurance
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