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Overview of Disability Plans

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Course

Explore disability plans. This course offers a comprehensive overview of disability income sources, plan types, and eligibility. Learn about short-term and long-term disability (STD, LTD), state disability insurance, Social Security Disability Insurance (SSDI), and more. Understand critical aspects such as the definition of disability, eligibility criteria, and SSDI’s claims process. Gain insights into LTD plan design, underwriting, and exclusions. This course provides essential knowledge for those navigating disability plans in employee benefits.

Topics Covered

  • Types of Disability Programs and Plans
  • Eligibility and Definitions of Disability
  • Social Security Disability Insurance
  • Long-Term Disability Plans
  • Offsets

Course Outline

View course outline

Introduction

  1. Sources of Disability Income
  2. History of Disability Plans

Estimated Time to Complete: 10 minutes

Types of Disability Programs and Plans

  1. Paid Sick Leave
  2. Short-Term Disability (STD)
  3. Long-Term Disability (LTD)
  4. State Disability Insurance
  5. Social Security Disability Insurance (SSDI)
  6. Other Governmental Disability Plans
  7. STD and LTD
  8. SSDI and LTD
  9. Workers’ Compensation and LTD
  10. Veteran Disability Compensation and LTD
  11. Disability Benefits Through Pension Plans and LTD

Estimated Time to Complete: 30 minutes

Eligibility and Definitions of Disability

  1. Active Full-Time Employees
  2. Adverse Selection and Waiting Periods
  3. Length of Service
  4. Own Occupation
  5. Any Occupation
  6. Presumptive Disability
  7. Social Security Definition of Disability
  8. How Private Insurers Make Determinations
  9. Lay Investigations
  10. Independent Medical Examinations
  11. How the SSA Makes Determinations

Estimated Time to Complete: 30 minutes

Social Security Disability Insurance

  1. Overview of SSDI
  2. Disability Insured Status
  3. Computing a Disability Benefit
  4. Disability Claims Process
  5. Subjectivity and Appeals
  6. Incentives to Return to Work
  7. Periodic Disability Reviews

Estimated Time to Complete: 30 minutes

Long-Term Disability Plans

  1. LTD Plan Design
  2. Underwriting Considerations for Employer-Sponsored LTD Plans
  3. Waiting Periods for LTD Plans
  4. Common Exclusions in LTD Plans
  5. Pregnancy and Addiction

Estimated Time to Complete: 20 minutes

Offsets

  1. Offsets
  2. State Disability Insurance Payments
  3. SSDI Payments
  4. Workers’ Compensation Payments
  5. Third-Party Liability
  6. Benefits Continuation During Disability Leave

Estimated Time to Complete: 20 minutes

NOTE: The estimated time to complete each lesson is based on word count and assumes uninterrupted consumption of the course. Actual time to complete each lesson can vary widely based on familiarity with the topics and other factors. Time required to complete the course final exam is not counted in these estimates.

Course Applies To

One-Credit Course

US$65.00

Member

US$95.00

Nonmember

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Questions?

Contact us at (888) 334-3327, option 3 or [email protected].

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