Jermaine, a janitor, fell from a ladder while he was changing a light bulb and hurt his leg and shoulder.As a result, he has been unable to work for the past five years and is drawing 60% of his salary.Under what benefit plan is he covered?

Question

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Jermaine is covered under a long-term disability plan because he has been unable to work for an extended period (past five years) and is receiving a portion of his salary (60%). Long-term disability benefits are designed to provide income to employees who are unable to work due to a serious illness or injury for a long duration.

Jermaine, a Janitor, Fell from a Ladder While He Was