How are work-related injuries handled?
Most long-term disability policies cover work-related injuries, but offset Workers’ Compensation benefits. These are considered a 24 hour plan. Under a 24 hour plan, Workers’ Compensation or State Disability plan benefits are directly or indirectly offset. A lump sum benefit is prorated; medical or death benefits are not taken into consideration. Under a non-occupational long-term disability plan, no benefits are paid for an occupationally-related injury or sickness.
