One of the benefits you may never see is paid for each month by CMIS.  A long time ago, I committed to having long and short term insurance for all employees working 20 or more hours per week.  The reason why I do this is simple.  If you can’t work due to disability you still have expenses.  I want to do what I can, to help you through an illness or accident.  According to the Health Insurance Association of America, a nonprofit trade group, 30% of Americans age 35 to 65 will suffer a disability lasting at least 90 days sometime during their careers.  Yet, only 36 percent of all full-time employees are offered long term disability insurance through their employers and fewer than 6 million policies are in force in the United States. 

This benefit should be named “income insurance”.  What it does is pay you a portion of your salary in the event you are disabled thus it becomes your income while you are out of work.  You need physician documentation to collect the benefit (should not surprise any of you who assist patients and insurance companies with these requests for copies of records or forms to be completed.) 

For more information about our benefits, please email Mary Rall at mrall@cminfospec.com