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Return-to-work incentives

At Assurant Employee Benefits, we recognize that most disabled employees would rather be working and we encourage them to do so according to their abilities and limitations. Our disability plans are designed to smooth the way for your employees with disabilities to return to work with incentives built into each disability insurance policy. 

• During the first year of a return to work on a trial basis, Assurant Employee Benefits does not reduce its disability benefit by the disabled employee's earnings unless the combination of the disability benefit, new earnings, and other sources of income exceed the individual's pre-disability salary.

• After the first year of partial or limited work, only a portion of new earnings is taken into account when calculating the disability benefit.

In addition, Assurant Employee Benefits promises that no disability claimant will jeopardize his or her disability benefits by attempting a trial period of return to work.