Sentences with phrase «than the short term disability»

If an employee must be out for longer than the short term disability benefit covers, then either a long term disability plan or permanent disability kicks in.

Not exact matches

Normal weight employees cost an average of $ 3,830 per year in covered medical claims, sick days, short - term disability and workers compensation while a morbidly obese person costs employers more than double that at $ 8,067.

Short - term disability insurance works differently than many people want or expect.

Treasury Board President Tony Clement, who has sparked a war with public sector unions in his quest to cut costs, has outlined proposed changes to sick leave policy, which would include five to seven sick days a year, a short - term disability leave of a week to six months and long - term leave for more than six months.

Rather than resign outright, she decided to take a four - month leave on short - term disability.

Waiting periods for short term disability coverage are commonly significantly shorter than they are for long term disability plans.

Individuals sometimes mistakenly believe that if an insurer has cut off their short - term disability claim earlier than the cut - off date, they will not be able to make a LTD claim.

For the sake of this article, we are assuming that the terms short term disability and short term life are policies that are written for a term length of not more than 12 months.

Rather than tap into your emergency fund or credit cards, your short term disability income insurance kicks in to provide a much needed resource to help pay for whatever you need it for.

For disabilities shorter than that, you should rely on your savings and any short - term disability coverage you may have through your employer.

That money would be better spent paying into an emergency fund, as short - term disabilities are much easier to self - insure than long - term disabilities.

It's why a short - term disability policy is much more expensive than long - term disability insurance, and why long - term disability insurance is so important: Low frequency, high liability risks are the most important times for insurance.

But it's actually more valuable than short - term disability insurance, for reasons which we'll explain below.

It lasts longer than short - term disability insurance; it is easier to qualify for and provides a larger benefit than Social Security disability insurance.

Short - term disability insurance lasts for a shorter period of time, usually starting at a few months and no longer than a year.

However, it's oftentimes more economically feasible to get a short - term disability policy through your employer, who may offer it for free or at a low cost, rather than paying the full cost on your own for a relatively limited policy (in terms of coverage amount and length, compared to long - term disability insurance).

For many people, long - term disability insurance is a better option, because it lasts longer and is more cost - effective than short - term insurance.

Cons: If your disability lasts longer than the short - term benefit period, you're on your own, and will probably have to fall back on one of the two options listed above.

Long - term disability insurance lasts longer and can be customized more than short - term disability insurance, which makes it more expensive.

Crohn's flare - ups come and go, and throughout her 30s Melanie occasionally misses work for short periods — more than a couple of days but not long enough to trigger even short - term disability.

Turns out, short - term disability is more of an employer benefit than anything else.

Short - term disability insurance pays out much higher benefits than temporary disability insurance, but neither provides the coverage you might need if a disability puts you out of work for a long time.

But long - term disability insurance covers a wider range of disabilities than short - term disability insurance in that the latter doesn't include any injury that can be covered by workers» compensation.

There are long - term and short - term versions of disability insurance, meaning you can receive coverage that lasts less than a year or coverage that lasts many years, including up to retirement.

It's why short - term disability insurance is much more expensive than long - term disability insurance, and why long - term disability insurance is so important: Low frequency, high liability risks are the most important times for insurance.

Short - term disability insurance, which you'll probably only encounter as part of a subsidized employee benefits package, covers you just for a few months and never more than a year.

For example, C - sections can lead to time off that's longer than what's covered in maternity leave or a short - term disability plan (see below).

Typically, the maximum monthly income benefit for private short term disability insurance will be lower than the maximum benefit offered with private long - term disability insurance.

One notable difference between short and long term disability insurance is that short term disability insurance premiums are much cheaper than long term premiums, since the payout isn't as large and the coverage does not last as long.

Other disability insurance policies, called short - term disability insurance, only last for up to one year (and usually no more than three to six months).

So anything typically shorter than three to six months is considered a short - term disability.

Short - term disability insurance can cover you if you are disabled for only a short period of time (less than six monShort - term disability insurance can cover you if you are disabled for only a short period of time (less than six monshort period of time (less than six months).

How do I handle requests for such references?Thank you so much for your help!CherylCHERYL M. EARLE3407 Old Dobbin Road, Montgomery, Alabama 36116 - 1903Home Phone: [phone] Cell Phone: [phone] Fax: [phone] E-mail: [email protected] position managing legal discovery and document review with opportunity to assist attorneys with civil litigationBAR ADMISSIONAlabama State Bar, 1999LAW - RELATED EXPERIENCELaw Firm, AlabamaResearch Attorney for Special Projects, Mass Torts Department, November 2001 — February 2008 • Managed Multi-District Litigation (MDL) Document Depository (September 2002 to February 2008) o Reviewed more than 1 million pages of evidentiary documents for litigation purposes and for inclusion in electronic databaseso Coordinated document review assignments with attorneys at local depository and at other sites across the USo Retrieved, reviewed and coded documents in Concordance and Summation legal databaseso Prepared memoranda and spreadsheets providing detailed analysis of discovery materials • Aided attorneys and support staff with processing and preparation of personal injury claims and litigationo Conducted legal research and drafted pleadingso Conducted supplementary online research for additional documents and information pertinent to litigationo Assisted with preparation of correspondence to clients and referring attorneyso Contacted clients for additional information needed in case preparation, litigation, and potential settlementso Prepared and input case intakes and referrals into databaseLaw School, AlabamaStudent Intern, Alabama Disabilities Advocacy Program (ADAP), August 1996 — June 1997 • Participated in law school clinical program under third - year law student practice rule (as authorized by Alabama Supreme Court) o Assisted attorneys and advocates in cases involving mentally ill patients confined to state mental health facilitieso Interviewed clients in person (at state facilities) and over the phoneo Worked with clients, attorneys, and social workers to investigate and resolve issues concerning involuntary confinement and treatmento Aided in legal research on an appellate brief submitted to the U. S. Court of Appeals for the Eleventh Circuit (ruling granted in favor of our client) Faculty Research Assistant for Library Services, Bounds Law Library, March 1996 — June 1997 • Prepared research and teaching materials for law school faculty; worked 20 hours per week while matriculating 10 - 15 hours per semester) o Investigated copyright issues related to procuring and reproducing texts for academic useo Conducted legal research using WESTLAW, LEXIS and the InternetADDITIONAL RELEVANT EXPERIENCEManufacturing Company (MC), Montgomery, AlabamaAdministrative Assistant and Cost Analyst, Materials Purchasing Department, April 1999 — September 2001 • Assisted materials buyers in negotiating and preparing commodities contracts between raw materials suppliers and MC for manufacturing plants in the US and Mexicoo Assisted Legal Department at MC's corporate headquarters with coordination and preparation of documents for litigationo Notified and educated suppliers about MC's freight - on - board policy and its corresponding Uniform Commercial Code (UCC) provisions; result was the reduction of freight claims for both the company and its supplierso Prepared contracts and purchase orders for raw materials and capital projects involving plant maintenanceo Solicited price quotations from current vendors and established Excel spreadsheet format which simplified quote submission process and allowed MC to track and compare usage volumes and costs over timeo Prepared and analyzed cost reports used by materials buyers and production planners in purchasing decisions, including cost reductions, materials consolidation, and selection of vendorso Acted as liaison between vendors and the Purchasing, Transportation and Accounting Departments on issues concerning inbound freight, commercial carriers, and payment terms for commodities, resulting in reductions in freight costs and greater payment discounts for raw materialso Established online databases and printed directories for the Purchasing Department, allowing buyers to have easier and faster access to current vendor informationo Completed Year 2000 (Y2K) compliance project, which involved data collection and communication with MC's past, present, and potential materials suppliers and service providersNot - For - Profit Organization, AlabamaAdministrative Assistant, Combined Federal Campaign, September 1998 — January 1999 • Aided Campaign Director with 1998 Federal Campaigns (CFCs) in City 1 and City 2, which together generated nearly $ 700,000 for more than 1,000 local, national and international charitieso Prepared weekly reports on donations using WordPerfect, Microsoft Word, Excel and dBase IVo Wrote script for Talent Showcase at City 1's 1998 CFC Kickoffo Assisted Director with merger of the City 1 and City 2 CFCs in 1999Regional Bank, AlabamaAdministrative Assistant, Year 2000 (Y2K) Department, March — June 1998 • Worked with Vice President of Corporate Projects on short - term project for the bank's Y2K Departmento Analyzed and processed data on Y2K readiness for all branches of Bank throughout the southeastern USo Organized meetings for personnel of Banko Communicated with vendors of computer hardware, software, and office equipment to request information on Y2K complianceo Prepared compliance files for Federal Reserve auditso Prepared in - house memoranda and reports using Microsoft Word and ExcelRecord / Music Promotion Company, AlabamaRecord Pool Co-Founder; Office Manager, September 1990 — December 1991 • Co-founded record pool to enhance promotion of music in Alabama and the southeastern USo Procured and distributed records from major and independent labels for club, radio and mobile disc jockeyso Coordinated jointly sponsored promotional events with record companies, radio stations and clubso Designed, wrote, and published bi-weekly reports and brochures to inform the music industry of the progress and popularity of music and performers in the region, with specific focus on the Alabama music sceneMajor University, AlabamaGraduate Research Assistant, AUM Department of Marketing, June 1989 — August 1990 • Worked 13 - 20 hours per week as a research assistant to Marketing faculty while carrying a full course load in the MBA programo Analyzed consumer surveys used in academic researcho Assisted Conference Chairperson with coordination for Atlantic Marketing Association (AMA) annual meeting (October 1989) o Co-authored five - year index and classification of AMA Proceedings (published Fall 1991) EDUCATIONLaw School, AlabamaJuris Doctor (JD), 1997 • Scholarshipso Seybourn H. Lynne Scholarship, 1996 - 97o Dexter C. Hobbs Memorial Scholarship, 1995 - 96o E. W. Godbey Memorial Scholarship, 1994 - 95 • Honorso Who's Who Among American Law School Students, 1996 - 94o Arthur Davis Shores Award, 1997 • Activitieso Frederick Douglass Moot Court Team Manager, 1996 - 97 Southern Regional Competition, Second Place National Competition, Eighth Placeo John A. Campbell Moot Court Competition, Spring 1996o Black Law Students Association Delegate, BLSA National Convention, 1997 Co-Chairperson, Public Relations Committee, 1996 - 97 Chairperson, Public Relations Committee, 1995 - 96 BLSA President's Award, 1996 and 1997o American Bar Association, 1996 - 97 Entertainment and Sports Industries Forum Intellectual Property Section Law Student Divisiono LAWS Student Group Leader, 1995 - 96Major University, AlabamaMaster of Business Administration (MBA), 1990Bachelor of Science in Business Administration (B.S.B.A.), 1988 (Major: Marketing — Advertising and Promotion Track) • Honorso Dean's List • Activitieso National Student Advertising Competition Team, 1988 - 90 Seventh District Competition: Third Place, 1990o Marketing Club, 1987 - 90 Vice President — Career Development, 1988 - 89o Public Relations / Advertising (PR / AD) Club, 1988 - 90 Charter Member, 1988 Active in fund - raising and membership driveso Theater Guild, 1988 - 90 Screening Committee, 1989REFERENCESAvailable upon request

Rehabilitation Counselors receive better overall benefits than other professional counselors, including employee retirement plans, medical coverage, dental, vision, and short - term and long - term disability *.

There has only been one permanent Disability Discrimination Commissioner, Elizabeth Hastings, and since her term expired in December 1997, the Human Rights Commissioner has acted as the Disability Discrimination Commissioner (other than a short period of time where the Sex Discrimination Commissioner acted in the position).