How disability insurance protected my family and finances

Discovering the Real Value of Employer-Provided Benefits

One spring evening, around 8:00pm, my husband, my six-year-old son, my newborn son, and I were headed home after getting dinner. I don’t remember anything else from that night. My name is Emily, and I’ve worked at IBI for five years, assisting with all aspects of Social Security claims. Daily, I’d interact with dozens of…

Couple at home feeling good about their financial and retirement planning. Plan. Prepare. Protect.

Including Social Security in Your Financial and Retirement Planning (pt 2)

Ted Norwood Editor’s Note: In part two of Ted Norwood’s post on Social Security, financial planning, and retirement, the author explains the various Social Security benefits and impact they may have on your financial status. (Click here to read Part 1 of this post.) Financial Planning, Protection and Retirement The basics The basic principles are…

Couple at home working on their financial and retirement planning. Plan. Prepare. Protect.

Including Social Security in Your Financial and Retirement Planning (pt 1)

Ted Norwood Editor’s Note: You are about to enjoy the most entertaining and informative blog post I’ve ever had the pleasure of editing about Social Security benefits. Read on to learn more about what the Social Security Administration and chocolate chip cookies have in common. Thinking about protecting your family’s income, your children’s future, and…

Lizzette Villeda and her husband, Choosing Resilience, Living Fully: Open Enrollment 2021

Recognizing the Value of Being Prepared

What happens to everyday expenses when an illness or injury prevents you from working and earning an income? Medical insurance helps cover the costs associated with treatment. But How do you pay your mortgage or rent? Do you have enough savings to buy groceries and cover your bills?   Lizzette Villeda discovered the real value…

3 out of 10 American adults can't pay an unexpected $400 bill without having to carry a balance on their credit card or borrow money from friends, family, or the bank. Choosing Resilience, Living Fully: Open Enrollment 2021

Take Advantage of ALL of Your Employer’s Benefit Offerings

Bob Herum, MSFS, CLU, ChFC, RHU, REBC Editor’s Note: When the leaves start to fall, it’s usually the time for you to enroll in your employer’s benefits offerings. A lot of us focus our time on understanding the health insurance benefits, but you could be leaving a lot of money on the table with that…

Financial advisor discussing disability insurance with a client: Choosing Resilience, Living Fully: Open Enrollment 2021

Changing the Disability Conversation with Your Clients – Making Financial Plans Disability-Proof

Bob Herum, MSFS, CLU, ChFC, RHU, REBC Editor’s Note: Facts do not change your clients’ behavior when it comes to understanding their risk for being out of work due to an injury or illness. Bob Herum presents a primer on how to alter your discussion about the impact of disability on financial plans. Traditionally, the…

Disability insurance is income protection

Three Lessons I Learned Through Postpartum Depression

By Diane Russell, Senior Vice President of Marketing and Strategy, Lincoln Financial Group If you have children, you know there’s no shortage of advice from family, friends and sometimes even strangers. Yet, mothers dealing with postpartum depression often feel like they have no one to talk to about what they’re going through. At least, that’s…

History of Social Security Disability Insurance Advocacy

The History and Future of Social Security Disability Insurance Advocacy

By Matt Jensen, Executive Vice President and Chief Marketing Officer, Integrated Benefits, Inc. This post tells a story about a benefit available to most people living and working in the United States – Social Security Disability Insurance (SSDI). The SSDI program pays benefits to you and certain family members if you are unable to work due to a medical condition…

Financing medical bills and health expenses

Four Ways to Finance Medical Bills and Health Expenses

When you are living with a medical condition or disease that requires regular visits to various doctors, or have a sudden health concern that needs to be addressed quickly, medical bills will begin to pile up. While your medical insurance likely covers most of your normal expenses, when it comes to specialty issues, insurance companies…