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Is my Employer Required to Provide Disability Insurance?

Some people put themselves in harm's way on a daily basis as a part of their job, while others may face no risk bigger than getting a paper cut. Based on the amount of risk you face every day, is your employer required to provide disability insurance?

Short- and long-term disability policies are insurance policies your employer may provide alongside health care coverage, but is not legally obligated to provide. It's your employer's choice of whether or not to provide these options. For these policies, you can take advantage of the benefit whether or not your illness or injury is work related.

Worker's compensation is a disability program that is mandated by state law, and that employers are required to provide employees access to. However, it is limited to on-the-job injuries or illness only. You cannot be harassed or threatened with termination for filing a worker's compensation claim.

Social Security also provides federal disability benefits to workers. This benefit is limited to those who are disabled for a year or more, and there is a long list of requirements. Disabilities are limited to those recognized by the Social Security Administration, and individuals must apply for disabled status, have completed a five-month waiting period, be under age 65, and qualify for insured status.

If you have been the target of workplace harassment, discrimination or unfair termination, Bouchillon, Crossan & Colburn, L.C. represents clients in federal court and before the EEOC, MSPB and in state and union grievance hearings.

Our attorneys have more than 35 years dedicated to giving clients the attention, advice, support and empowerment they need to effectively meet their goals. We are committed to the principle that all persons shall have equal justice under the law. Call Bouchillon, Crossan & Colburn, L.C. at 304.523.8451 or contact us online to schedule an appointment.

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