Looking for a Long-Term Disability Policy This Open Season? Watch out for These Terms
This is the time of the year when many employers have their insurance open season, where employees are free to make changes to their existing insurance coverage. If you're considering adding that long-term disability coverage option to your existing insurance benefits, be careful to read the terms first and look for the words "gainful employment" or "gainful occupation." If you see them, you may want to skip that policy and look for another.