There are 33,000,000 small businesses in the United States and fewer than 3,000 purchased disability overhead expense in 2023. DI is often described as the “selfish” insurance. Your auto coverage pays for the mechanic to fix your car. Your homeowners pays the handyman or roofers to repair the house. Your health insurance pays the doctor,…
First, the Ankle Like many baby boomers, I participated in many sports and served in the military. For the most part, other than some incidental injuries, I made it to my ‘60’s’ and felt I would be able to continue to be active as I approached retirement and whatever followed. Well, my body answered very…
Alexandra Ginieres, Chief Marketing Officer, MGIS The ability to earn an income is what funds your life, and it is the foundation of your financial well-being. Disability income insurance protects your paycheck by replacing a portion of your income if you become too sick or injured to work. The reality is that one in…
Having spent most of four decades marketing and selling disability income insurance, including individual, group, and payroll products, I am still amazed at the general resistance by many working Americans to doing fundamental research and analysis of their own personal and family financial situation. The amount of life insurance sales each year dwarfs the combined…
The Future of Work through Three Lenses: Climate Change, Artificial Intelligence & Disease by Margaret O’Neill, SmithGroup Part I: Climate Change This paper, focused on climate change, is the first in a 3-part series that considers the potential headwinds and tailwinds affecting work, as we know it in America. The paper will delve…
By Steve Perrigo No one expects to have a life-threatening illness or injury, but knowing how to safeguard your income can help deal with the overwhelm of treatment, recovery and bills piling up. It’s vital for U.S. workers including Baby Boomers, Generation X, Millennials and Generation Z, to understand the significance of federal disability…
I enjoy having a beer with dinner nearly every evening. Sometimes a glass of wine, but far more often, a single good beer. It’s something I’ve enjoyed for years. I knew moderate drinking had some health benefits. And with so many craft brews on the market now, there is always a new beer to try.…
Remote work has become the new normal for many people across the world. This shift toward hybrid or fully remote work modules has also made a variety of jobs more accessible to disabled people. Even if the bulk of your work takes place outside of the office, obtaining profitable remote work opportunities may require you…
At 26 years old and newly married, I was excited when the two pink lines on a pregnancy test indicated that I was expecting. From the start, I did all of the “right” things. I confirmed a viable pregnancy with my OB, waited until it felt “safe” to tell friends and family, scheduled all of…
Today’s diverse educational landscape requires an emphasis on inclusivity. An inclusive environment in education is one where all students, regardless of their abilities or disabilities, are given equal opportunities to learn, participate, and succeed. This approach is not just about providing physical accessibility but also about adapting teaching methods, curricula, and attitudes to cater to…
