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HR leader educating a group of employees.

Educating Employees About Disability Insurance? Ask Them 5 Questions

Employers are offering more and more voluntary benefits—and workers want these benefits. A 2017 study showed that nearly one third of eligible employees were signing up for voluntary offerings (that’s a higher participation rate than in earlier years).  Amy Hollis is the national leader of voluntary benefits for HR consultancy Willis Towers Watson. She recently…

Image of a man with the question: How can I get disability insurance?

How Can I Get Disability Insurance?

Disability insurance is one of the most important forms of insurance for working Americans. The financial expert Dave Ramsey calls it “a necessity.” It has been described as a valuable benefit by NPR while NBC News calls it “more important for singles than just about anyone.” Having a form of income protection for when you’re injured, ill…

Picture of woman with words: How does disability insurance actually work?

How Does Disability Insurance Actually Work?

Disability insurance provides critical financial protection that is very different from other insurance products. Millions of working Americans don’t have it, and many don’t fully understand what it protects. A 2017 report from LIMRA revealed that 65 percent of respondents thought that most people need disability insurance. Yet only 48 percent thought they personally needed it, and a…

5 most common reasons for long-term disability claims

The Top 5 Reasons Why People Go Out of Work and Stay Out of Work

At least 35 percent of working Americans don’t have private disability insurance. And what that means is approximately 50 million people won’t receive a paycheck if they leave work to have a baby, or are recovering from an injury or an illness. Working adults need disability (or income protection) insurance because people regularly leave work…

Pregnant woman holding a baby

Disability Insurance Can Be An Important Part of a Pregnancy—But It’s Much More

Disability insurance — also known as income protection coverage — is one of the most important and overlooked pillars of financial planning. Think about it. The average person is so dependent on their ability to earn a living, they couldn’t continue their lifestyle if they missed even a single paycheck. The Federal Reserve asked adults…

Why Disability Insurance Should Be Part of Your Paid Leave Strategy

Benefits are becoming a key differentiator in the job market. A 2017 report by the Society for Human Resource Management (SHRM) reports that nearly one third of organizations increased their benefit offerings over the past 12 months. The leading reason? To remain competitive in the talent marketplace. Amid all the benefits being offered today, from…

Woman with crutches sitting on a sofa

5 Frequently Asked Questions About Disability Insurance

Disability insurance provides critical financial protection to American workers. Yet it’s a highly misunderstood form of insurance. You probably have health insurance, home or renter’s insurance, and car insurance. But what about your need for income protection insurance? Disability insurance pays you a portion of your income when an injury or illness takes you out…