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Other Disability Benefits

Most companies provide disability income benefits for its employees. It is important to know what benefits in addition to disability income replacement may be available to you in the event that you become disabled and which will end.  In addition to receiving a percentage of your income while disabled, you may be eligible for continued life insurance with a waiver of premium and continued medical, dental or vision coverage for a period of time.  Look into
* whether your 401(k) matching contributions change,
* whether your employer will continue pension, stock options and other perks. 
Your employer, typically through the Human Resources Department will have the Employee Benefits Plan and must provide a Summary Plan Description to you upon request. This contains useful information.  In fact, ERISA regulations require that your employer provide to you, within 30 days of asking for it, a complete copy of the plan in effect. Understanding how your other ancillary benefits are impacted by your filing for disability is crucial to a smooth transition during this important time. Check our discussion on COBRA which provides medical coverage to you if your medical insurance ends once you become disabled.
Bonny G. Rafel LLC can provide counsel on these issues.

Client Reviews
I was an Engineer in a Research and Development division of a major corporation, putting in longer hours with the same workload. An unrelated episode landed me in the hospital, where I was DXd with Primary Progressive Multiple Sclerosis, which explained my decline at work. I then learned that I had an employer policy that protected me from this type of a disability. Charlie
I would like to re-acknowledge what a difference your work has made in my life. When forced to retire 5 years ago, you dedication to helping me enroll into my disability policy has made all of the world of difference. George
I cannot thank you enough for successfully appealing my disability benefits. My special thanks also to Eileen for all of their assistance, support and expertise. Your legal expertise of disability benefit entitlement was evidenced by your comprehensive and knowledgeable litigation of my appeal. I read your appeal a number of times and each time I was impressed with your personal touch and special attention to the details of my case. I highly recommend you to colleagues, friends, and family who are in need of obtaining and keeping their disability benefits. I look forward to continued working with you over the next few years in maintaining my disability benefits. MaryJo