According to the article, “Too Sick to Work? They Disagree,” which appeared in the March 2010 issue of SmartMoney, “disability coverage is getting noticeably less comfortable.” In the past, it was standard for a disability plan offered at the workplace to pay workers 70 percent of their income while they recovered. As the economy continues to slump, workers are often getting less than 40 percent. For many people, this amount is hardly enough to live off of, so some employees have opted to purchase supplemental coverage. However, this coverage can be expensive.
The lowered coverage isn’t the only issue that disabled workers face. Insurers are being pickier on the claims they will pay. Insurance companies have been known to deny disability claims after sending medical records to third-party firms that don’t take the time to examine the patient, let alone speak to him or her.