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A Checklist for Disability Plan Design

As open enrollment approaches, many plan administrators find themselves reviewing plan documents or, more likely, the summary plan descriptions that will be distributed to participants. Now is the time for plan administrators to look at welfare plans, including long-term disability plans, which have become increasingly important and prevalent in all types of industries. This article provides a detailed checklist that identifies the substantive issues that plan sponsors and administrators should consider in the design and implementation of both long-term and short-term disability plans.