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…
By Jeremy Parr, Director, Voluntary Benefits, Lincoln Financial Group Editor’s Note: It’s time that companies structure, prioritize, and present benefits to reflect today’s financial and societal realities. Employees often must turn to voluntary benefits to help them shoulder higher out-of-pocket costs. And that means employers need to offer a well-rounded benefits package to help their…
By Steve Perrigo Editor’s Note: The far-reaching effects of a global virus mean employees with disabilities need Social Security Disability Insurance benefits more than ever. Thankfully, awareness is growing. Significant health impacts halted work for many American workers – some estimates reach 11 million – and it’s leading to a search for answers. The…
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…
Author: Marquis Smallwood, vice president of Workforce Engagement at MetLife Editor’s Note: As open enrollment season rolls around on the heels of another challenging pandemic year, many employees are looking at their employer benefits through a new lens. This is particularly true of millennial employees. A new MetLife survey found nearly two-thirds (64 percent)…
Ernest Dube Director, Enrollment & Account Management Guardian Life Insurance Company of America® Editor’s Note: Employers can help employees better prepare for their future and help close potential income gaps caused by longer-term workplace absences by providing supplemental income protection. This benefit provides additional coverage benefits from a protection perspective and also enhances employee recruitment…
Editor’s Note: In this latest installment of The CDA’s ongoing research series, Fred Schott, director of operations and research, provides a summary of findings from the Current Population Survey on the connections among occupations, availability of remote work, and absence. These findings were presented during September 2021, to the National Association of Supplemental Benefit Insurance 2021…
By Tracey Ferstler, PhD, Head of Return to Health, Global Claims, MetLife COVID turned the world as we know it upside down, and people who work in and around absence management and disability insurance are looking for answers on what’s next. Will we return to normal or is this our new normal? What is unique…
When most people consider disability, they picture something catastrophic happening—an injury on the ski slope, or a speeding car hurtling into theirs—and, for the most part assume it can never happen to them. That’s why human resources experts often find it challenging to convince their employees of the importance of disability insurance even though you…
As much as all of us just want the pandemic to go away, the COVID-19 variants have added more complications to consider. Among these are the ways we can go about keeping individuals with disabilities and vulnerabilities safe as the variants spread. At this point, over half of Americans have been vaccinated, but unfortunately,…
