How Does Work Disability Insurance Work? 
Work Disability Insurance is provided at group rates by an employer , or is paid for by the employer for employees . You need to be well acquainted with the summary page that outlines your plan 's the benefits , requirements , and procedures . If you need to make a claim , ERISA sets guidelines on the timefrrame in which you must be informed of a decision . If your claim is approved , you will receive the disability income as described in your policy 's summary page . 