The Five Big Questions You Need to Ask About Your Workplace Disability Insurance Coverage


The article discusses the importance of workplace disability insurance coverage and highlights five key questions that HR leaders should ask about their coverage. The first question is whether the coverage is comprehensive, including both short-term and long-term disability benefits. The second question focuses on the waiting period before benefits kick in, as shorter waiting periods can help employees receive benefits more quickly. The third question addresses the percentage of income that is covered by the insurance, with experts recommending coverage of at least 60-70% of an employee’s salary. The fourth question explores whether the coverage includes mental health conditions, as these are becoming increasingly common and can have a significant impact on employees’ ability to work. Finally, the fifth question concerns the flexibility of the coverage, specifically whether it can be customized to meet the unique needs of the organization and its employees. HR leaders should ensure that their workplace disability insurance coverage addresses these key areas to provide comprehensive and effective protection for their employees.