The logging industry is one of the most unsafe in the United States. It’s up to every logging company to ensure they provide workers with a safe environment. This is done through training and providing them with the proper equipment. Mechanization of the industry is...
Truck drivers may face a variety of hazards while traveling on Minnesota roads and highways. For instance, they may have to contend with fatigue, poor road conditions or other motorists taking unsafe actions. However, they may also have to contend with shoulder...
All Short Term and Long Term Disability benefits are governed by the Policy language. Whether you have The Hartford, Lincoln Financial, CIGNA, etc., a Policy will exist that governs the definition of disability as well as the length and the amount of your benefits....
The construction industry has become much safer over the past few decades, yet it is still one of the most dangerous fields, as 20% of fatal workplace injuries occur in this line of work. Minnesota construction workers should be aware of the following while on the...
Manufacturing work is the backbone of the middle class across the United States and here in Minnesota. Blue-collar workers in the manufacturing sector produce everything from vehicle components to kitchen utensils for consumption here and abroad. Their work drives the...
Once you are approved for Long Term Disability (LTD) benefits, the LTD insurer will ask you to apply for Social Security (SS) benefits. LTD does this because it wants SS to share the burden of paying you, and it allows LTD to reduce your monthly benefit....
If you pay into or your employer provides a Short Term Disability (STD) or Long Term Disability (LTD) Plan and your treating doctors support your inability to work, you should apply for these benefits. When you apply for STD/LTD benefits, the insurer will need to...
When you apply for either short-term disability (STD) or long-term disability (LTD) benefits, it’s not a guarantee that you will be approved. While you may pay into this insurance policy, the insurer reserves the right to deny your benefits. When should you get a...
Workers in the meat and food packing industries have been hit especially hard by COVID-19. If you work in these cramped production lines and dangerous environments and contracted COVID-19 at work, you may qualify for workers' compensation benefits. However, collecting...
When an individual suffers a debilitating injury, it is very possible that he or she will also face financial difficulties. For most people, jobs and occupations are the primary way they earn a living for themselves and their families. Becoming disabled can prevent an...