What is your corporate policy in the event of a disabled employee?

Mar 18, 2013

Absorbing the costs of health and dental benefits for employees on Long-term Disability (LTD) can be expensive.  Many plan employers are under the assumption that they must continue providing health and dental coverage because of a legal obligation, or because their insurance carrier will decide when these benefits will end. Neither assumption is accurate.

The continuation of benefit coverage is corporate policy and part of the employer’s responsibility under a ‘duty to accommodate’ employees on disability.  How long to continue coverage should be addressed in on hiring through a carefully worded employment policy.  Ideally, this needs to be communication to all employees and if possible, written into an employment agreement or policy handbook.

Establishing a policy in advance is an important way to protect employees and yourself from unwelcome surprises and legal liability.

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