We've recently written about Walmart's war on medical benefits for autism, now we've run across the Walmart "long term disabilty policy."
Most basic long term disability policies offered by an employer will protect you for at least 2 years if cannot work in your own occupation.
Not Walmart. Here's their plan (insured by Hartford)
Total disabiltiy or totally disabled means you are prevented from performing the essential duties of your occupation or a reasonable alternative job offered to you by your employer during the elimination period and for the next 12 months.
Great stuff. Most employer sponsored disabilty policies are a sham anyway. This one is just worse.