McBride for Business Blog

Games of Disability

September 26, 2017 // R. Shawn McBride // No Comments »

R. Shawn McBride recently spoke about the games of disability.

Hi folks, Shawn here with you, talking about something very serious; the games of disability. You know, as employers or as business partners, we want to make sure we’re taking care of those around us, our business partners and our employees, by potentially providing disability coverage. It’s a great thing. When I talk about my 3 Laws of Empowerment, preparing, planning and protecting, one of the things we often talk about is the four Ds which come up in partnerships, one of which being disability. It’s one of the major issues we need to plan for in agreements among business people, what happens if somebody becomes disabled. We also need to talk about the definition of disability. What is a disability, what is a disability trigger?

As an employer or a partner, we want to make sure that we’re very careful about how we set that trigger. What is a disability, what is not a disability? How do we determine if somebody became disabled? These types of issues will allow us to set the bar, to make sure that it’s not being used abusively. And of course, we want to match our agreements to the insurance policies so that there’s always a coverage in the event of disability.

But we want to think very carefully about what qualifies as a disability, what doesn’t, and what chain of events does that set off in a partnership agreement or employment relationship. So, we can do that correctly, and if we do that right and we set the triggers correctly, we can avoid a lot of unfortunate misfilings or abuses of the system, because unfortunately there are people out there that want to game the system and they’re going to try to take advantage of things, so we want to get ahead of it by having the right definitions, the right triggers, and the right processes to make sure that we don’t get abused.

Is this something you’re struggling with? If so, check out the McBride for Business YouTube channel and the R. Shawn McBride fans and audiences page on Facebook, where we have a community coming together among business owners and business managers on issues just like this.

Become part of our team, let’s help each other. Of course, the McBride for Business blog and the McBride attorney’s blog may be of great help to you. Check them each out, let me know how I can help. Maybe you need a keynote speaker for this or an upcoming event, or you need some training within your organization. I’m here for you, I can also do some one-on-one coaching with your teams, talking about how to do these things right and how to build things correctly from the beginning. I’m here for you, I want to be a resource, reach out. R. Shawn McBride signing off, and I will talk to you very soon.


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This posting is intended to be a tool to familiarize readers with some of the issues discussed herein.  This is not meant to be a comprehensive discussion and additional details should be discussed with your attorneys, accountants, consultants, bankers and other business planners who can provide advice for your circumstances. Each case is unique.  Past results do not guarantee future outcomes. This article should not be treated as legal advice to any person or entity. C. Glass.


About the Author

R. Shawn McBride is the Chief Innovation Officer at McBride For Business, LLC. His signature keynote, The 3 Laws of Empowerment, gives audiences an entertaining look at how they can prepare, plan and protect themselves. You can email R. Shawn McBride or (214) 418-0258.

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Posted In: Business, Risk

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