When contemplating disability insurance, consider integration with the employer's medical plan, which can help control costs for both the employer and employee.
The health implications of the pandemic – both mental and physical – caused many employees and employers to revisit the value of their benefits packages. What had been a possibility of not being able to afford the general cost of living in the event of a qualifying disabling condition became a reality for the many who lost their income because they could not work due to COVID-19-related illness. These concerns around financial well-being remain with a predicted post-COVID wave of disability from chronic conditions that surfaced during the pandemic.
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