Devoted to the Insurance industry and all thing related

There seems to be a large divide between what many people in the U.S. think about disability coverage and the reality.  According to a National Underwriter article citing America’s Health Insurance Plan (AHIP) statistics “About 58% of Americans believe that they have disability coverage, even though only 35% actually do.”

AHIP has recently begun a disability educational campaign that includes “releasing a policy brief and a survey report addressing disability issues.”  In addition they’ve created a website dedicated to providing disability related information at yourincomeatrisk.org.

One of the ways insurers are dealing with employees who’ve become disabled on the job is to invest in return-to-work programs.  The benefits are obvious as employers can benefit from not loosing their experienced workers and so that employees can go back to work.  

According to the article “In 2005, private disability insurers spent an average of $3,200 on each disabled employee receiving rehabilitation and return-to-work services.”