In addition, the LTDI and SSDI replacement rates (i.e., the proportion of a person's former earnings that is replaced by a program's benefits) differ.
In cases of an overlap in LTDI and SSDI eligibility, LTDI insurers have a strong incentive to help their claimants apply for SSDI benefits.
Three recent policy proposals expressed interest in expanding the role of LTDI with a goal of reducing SSDI dependency, although the parameters for how to do so differ among the proposals.
In this section, we describe the NCS data, our approach to characterizing the types of workers who had access to LTDI in 2013, the cost to employers for providing this coverage, and trends in both access rates and plan characteristics.
Starting in 2003, the NCS data began to include a yearly calculation in March on the percentage of workers in the job who have access to an LTDI plan (the access rate), the percentage of workers in the job who participate in such a plan (the participation rate), and the percentage of workers in the job with access to LTDI who participate in the plan (the takeup rate).
In the first column of table 1, we present a replication of LTDI access and takeup rate findings from selected tables in the BLS publication using raw data from the 2013 NCS.
1 for the most new LTDI claims at 27.5 percent, and cancers are the second highest new LTDI claims at 14.6 percent, the study finds.
Claimants are also experiencing less down time from these LTDI claims because of new medical technologies, Hader says.
Part-time work accommodations, for example, are an option for those weaning off of LTDI after battling cancer.
As older employees are increasingly delaying retirement, LTDI claims among that age group are growing, Murphy says.
Along with age, a claimant's sex is becoming a factor in LTDI. According to the CDA study; more women are fairing to injuries and firing LTDI claims, which Garofalo attributes to the number of women in the work force.
Because of the nature of their work environments, they are more susceptible to physical injuries and are usually down longer from their LTDI claims.