Are employers obligated to provide long-term disability insurance?

In California, employers are not obligated by law to provide long-term disability insurance to their employees. However, if employers do choose to offer this type of insurance, they must meet certain standards. Employees must be provided a summary plan description that outlines the cost, coverage, benefits, eligibility, and limitations of the policy. Furthermore, employers are required to provide automatic enrollment into the plan for employees on or after the first day of their employment. Employers are also obligated to give employees information about how to apply for benefits under the policy and must provide guidance and assistance with the application process. Furthermore, employers are obligated to provide a notice of any changes or modifications to the policy to employees. It is important to note that the state of California does not require employers to offer long-term disability insurance benefits. However, employers are obligated to provide certain standards of fairness and accessibility with regards to any plans they may offer. By upholding these standards, employers can ensure that their employees have access to the benefits they deserve.

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Are employers obligated to provide long-term disability insurance?

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