Getting Long Term Disability Benefits from Aetna

Aetna long term disability benefits are a type of private disability insurance. With the very real possibility that you could become disabled or injured on your job, leaving you unable to work for extended periods of time, you might be interested in the possibility of getting long-term disability benefits added to your health insurance.  Long-term disability benefits provide an extra measure of protection if you are kept from working through an illness or injury for an extended period of time, allowing you to have a steady income stream while you recover or train for a new position.  Getting long-term disability benefits from Aetna, a major insurance provider, is easy for employers who wish to provide their employees with an extra measure of protection in case the unthinkable happens or for employees to purchase on their own.

Getting Long Term Disability Benefits from Aetna

Long-term disability plans from Aetna are customizable.  You can include programs such as vocational rehabilitation and workplace accommodation plans, which will help get your employees back on the job as quickly as possible as well as minimizing your long-term disability claim dollars.  In addition, you will have access to 24-hour web-based software to track disabilities and claims.  By being able to track your employees through the process, you can make sure that no one falls through the cracks.

For your employees, the process of receiving their long-term disability benefits is streamlined.  You can have a physician review the claims, and employees have a toll-free number to call in order to update or provide additional information.  Along with this ease of contacting Aetna, your employees can also use phone, fax, email, or US Postal Service mail in order to file claims, make adjustments, or communicate with the company for any other reason necessary.  By making it easy for employees to communicate and provide the information necessary to keep the claims process running, you will find it is easier to manage the claims and effectively complete the claims process.

In order to get long-term disability insurance as a stand-alone policy or as an add-on to your additional policy, you will need to contact Aetna and they will set you up with a licensed agent in your state who can provide you with the necessary paperwork, as well as give you a quote on insurance.  You will want to provide them with any necessary information regarding the number of employees you have, the nature of your business or industry, and what premiums you are currently paying for your basic insurance and any long-term disability coverage you may already have. 

Getting Legal Help

If you are an employee who wants long term disability benefits or an employer who wants to offer this serve to his staff, make sure you speak with an experienced disability rights attorney to find out the process of applying for benefits and to make sure you get the coverage and protection you need.