Disability Insurance for the Self-Employed

Your ability to earn income is your most valuable asset. People tend to insure their property and their “things,” but frequently overlook the source that makes it possible to maintain their lifestyle—the ability to earn income. But what about disability insurance for the self-employed? Could it be extra important for them to have an income protection plan?

What are Disability Insurance Riders and Which Are Most Common?

Disability insurance has a base policy. But they also have options that can be added to the standard policy. Optional “add-ons” to the base policy of disability insurance are called disability insurance riders. Riders allow consumers to individualize—to add optional features, which address their specific income protection needs.

Building an Emergency Fund with an Eye To Disability Insurance

Forty-six percent of adults say they either could not cover an emergency expense costing $400, or would cover it by selling something or borrowing money. This is attention-grabbing and a potential wake-up call for building an emergency fund. But an emergency fund is just the first step, financial preparedness, which includes disability awareness needs to be considered as soon as you cover your emergency funds.

Does Your Organization Have a Positive Culture or A Toxic Culture?

Does your company have a positive culture or a toxic culture? If it was not mindfully groomed to be positive, it is left to chance how the culture will develop. Even though the majority of organizations are neither fully positive or fully toxic, here are four indicators of health and four indicators of toxicity from which to judge and compare your company’s culture.