{"id":1888,"date":"2023-07-28T17:30:38","date_gmt":"2023-07-28T21:30:38","guid":{"rendered":"https:\/\/johnstonesbenefits.com\/clients\/ila\/?p=1888"},"modified":"2023-06-28T17:30:49","modified_gmt":"2023-06-28T21:30:49","slug":"employees-on-extended-ltd","status":"publish","type":"post","link":"https:\/\/johnstonesbenefits.com\/clients\/ila\/employees-on-extended-ltd\/","title":{"rendered":"Employees on Extended LTD"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_heading-2d9bbcf79d50a3601923aa8844f713a6\">\n#top .av-special-heading.av-av_heading-2d9bbcf79d50a3601923aa8844f713a6{\npadding-bottom:10px;\nfont-size:4vw;\n}\nbody .av-special-heading.av-av_heading-2d9bbcf79d50a3601923aa8844f713a6 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-av_heading-2d9bbcf79d50a3601923aa8844f713a6 .av-special-heading-tag{\nfont-size:4vw;\n}\n.av-special-heading.av-av_heading-2d9bbcf79d50a3601923aa8844f713a6 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-av_heading-2d9bbcf79d50a3601923aa8844f713a6 av-special-heading-h2 blockquote modern-quote  avia-builder-el-0  el_before_av_hr  avia-builder-el-first  av-inherit-size'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >The Journal<\/h2><div class='av-subheading av-subheading_below'><p>Solid Group Plans Made Simple<\/p>\n<\/div><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div  class='hr av-av_hr-f04ef840c2b66cff6c43fead44ee8d66 hr-default  avia-builder-el-1  el_after_av_heading  el_before_av_heading '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-ljg8cdql-5ff6c7034d2a286ed0a15fff72ef94a8\">\n#top .av-special-heading.av-ljg8cdql-5ff6c7034d2a286ed0a15fff72ef94a8{\npadding-bottom:10px;\ncolor:#c4a106;\nfont-size:3vw;\n}\nbody .av-special-heading.av-ljg8cdql-5ff6c7034d2a286ed0a15fff72ef94a8 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n#top #wrap_all .av-special-heading.av-ljg8cdql-5ff6c7034d2a286ed0a15fff72ef94a8 .av-special-heading-tag{\nfont-size:3vw;\n}\n.av-special-heading.av-ljg8cdql-5ff6c7034d2a286ed0a15fff72ef94a8 .special-heading-inner-border{\nborder-color:#c4a106;\n}\n.av-special-heading.av-ljg8cdql-5ff6c7034d2a286ed0a15fff72ef94a8 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-ljg8cdql-5ff6c7034d2a286ed0a15fff72ef94a8 av-special-heading-h2 custom-color-heading blockquote modern-quote  avia-builder-el-2  el_after_av_hr  el_before_av_hr  av-inherit-size'><h2 class='av-special-heading-tag'  itemprop=\"headline\"  >Employees on Extended LTD<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_hr-8ddc7023771561a08c2d1878cbb01bdc\">\n#top .hr.hr-invisible.av-av_hr-8ddc7023771561a08c2d1878cbb01bdc{\nheight:30px;\n}\n<\/style>\n<div  class='hr av-av_hr-8ddc7023771561a08c2d1878cbb01bdc hr-invisible  avia-builder-el-3  el_after_av_heading  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-av_one_full-7688609b370c0fc22d37f41de2668996\">\n.flex_column.av-av_one_full-7688609b370c0fc22d37f41de2668996{\nborder-radius:0px 0px 0px 0px;\n-webkit-border-radius:0px 0px 0px 0px;\n-moz-border-radius:0px 0px 0px 0px;\n}\n<\/style>\n<div class='flex_column av-av_one_full-7688609b370c0fc22d37f41de2668996 av_one_full  avia-builder-el-4  el_after_av_hr  avia-builder-el-last  first flex_column_div av-zero-column-padding '   ><section  class='av_textblock_section av-ljg8ddeg-560cc17a74c37c7a39bb3dd150fd2b5b'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p><a href=\"https:\/\/johnstonesbenefits.com\/clients\/ila\/wp-content\/uploads\/2023\/06\/2023_07-Employees-on-Extended-LTD.pdf\" target=\"_blank\" rel=\"noopener\">Click here to download pdf<\/a><\/p>\n<p><strong>Does everyone know what to expect?<\/strong><\/p>\n<p><strong>Benefits for Disabled Employees <\/strong><\/p>\n<p>Employees who are absent from work due to disability (illness or injury) are eligible for group benefits coverage as long as they remain an employee. However, if employment is terminated, so too are the group benefits. As we can all imagine, disabled employees and their families rely on their benefits to continue.<\/p>\n<p>Benefits usually end with the termination of employment, and employment terminates when the employment contract is \u201cfrustrated\u201d (a legal term). What period of absence should you allow before terminating employment and therefore benefits? Keep in mind that disability insurance, as well as any other benefit which includes waiver of premium (such as life insurance, accidental death and disablement, and disability insurance) may continue without premium payments provided the definition of disability is satisfied, but health and dental coverage will cease.<\/p>\n<p>It is often impossible to know how long an employee will be absent\u2014it could be a few weeks or a few years. Because there are so many variables involved, we recommend our clients develop a company \u201ccontinuation of benefits\u201d policy, so everyone concerned knows in advance what to expect for the period employees are disabled and unable to work. This period is largely at the employer\u2019s discretion, unlike continuation of benefits during legislated leaves of absence such as maternity and parental leaves, however we advise caution to ensure the policy or employer actions are not seen as discriminatory under Human Rights legislation.<\/p>\n<p><strong>What to Consider in Developing a Policy <\/strong><\/p>\n<p>A typical policy is to continue benefits after long term disability (LTD) benefits have been approved to the point in time that the insurer will re-assess the claim based on the employee\u2019s ability to work. In most contracts, this is after two years. The insurer considers the employee\u2019s ability to do his or her OWN job, but after two years, the insurer looks at the claimant\u2019s ability to do ANY job.<\/p>\n<p>If LTD benefits are approved beyond two years, the insurer has deemed that it is highly unlikely that the employee will return to work and the employer will terminate the employment contract.<\/p>\n<p>It is important the policy clearly outlines what your company\u2019s rules are as it relates to benefits continuation, including cost sharing, for legislated and non-legislated leaves so that it is fair and then consistently applied from one employee to the next. The policy should keep the same arrangements, including cost sharing, as when the employee is actively at work. When developing a policy, employers should consider:<\/p>\n<ul>\n<li>If premiums are shared, how will you collect premiums from the disabled employee?<\/li>\n<li>If the disabled employee does not pay their share of the ongoing costs, will you terminate coverage? How will you notify the employee? Is registered mail appropriate?<\/li>\n<\/ul>\n<p><strong>Terminating Employees on Long Term Disability<\/strong><\/p>\n<p>Employers have the right to terminate an employee, and should do so where they have collected the requisite evidence to support the termination; provided the disability leave is not a factor that prompted the termination. If an employee is unsuitable and must be terminated, terminations during a medical leave such as Long Term Disability are permissible as long as the reason for termination has nothing to do with the fact that they are disabled and require workplace accommodation. In this case, there should be clear evidence that termination was being considered before the disability arose.\u00a0 It is best to seek legal advice prior to following through with a termination.<\/p>\n<p><strong>On LTD &#8211; Waiver of Premium Benefits\u00a0 <\/strong><\/p>\n<p>Most group insurance policies for life insurance, accidental death &amp; disablement (AD&amp;D), disability (short-term and long-term disability) insurance include a Waiver of Premium benefit. Under this provision, if approved, the insurer is acknowledging its responsibility for valid coverage for the period an employee meets the definition of disability as defined in the policy, without receiving payment of premiums.<\/p>\n<p>Critical illness insurance policies also often include a Waiver of Premium benefit, which could waive off all future premiums due and payable on the confirmed diagnosis of the insured person suffering\u00a0from any one of the critical illnesses covered under the policy.<\/p>\n<p>Typically, if the employee becomes disabled after age 65, they would not be eligible to apply for Waivers of Premium.<\/p>\n<p>Extended health, dental and employee assistance plans (EAPs) do not include a Waiver of Premium benefit provision. Premiums must be paid to continue coverage during a period of disability for these benefits.<\/p>\n<\/div><\/section><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-1888","post","type-post","status-publish","format-standard","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Employees on Extended LTD - Johnstone&#039;s Benefits<\/title>\r\n<meta name=\"description\" content=\"Johnstone&#039;s Benefits provides simple employee insurance benefit programs for large and small business.\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/johnstonesbenefits.com\/clients\/ila\/employees-on-extended-ltd\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Employees on Extended LTD - 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