image_pdfimage_print

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…

The Cost of Cancer – Planning for Survival

No one plans to have cancer. Aside from the shock and anxiety for the future a diagnosis brings, cancer also presents a financial situation that few people fully consider. Huge medical bills, on top of the typical expenses like college loans, mortgages, and car payments, can leave survivors concerned about their finances. Despite this, there…

Depression and Your Office Environment: What You Need to Know

Depression, while often hiding in plain sight, ranks among the top three workplace problems for employee assistance professionals, resulting in 3% of total short-term disability days. For context, that’s more disability than what’s caused by heart disease, hypertension and diabetes—all in the form of an illness that isn’t nearly as visible as a broken bone.…

5 Tips for Boosting Employee Health

Looking for creative and sure-fire ways to boost employee health? Whether you’re looking to decrease sick days or increase office morale and loyalty, don’t miss these smart and healthy ideas.   Ditch the Chairs A new comprehensive study out from the Annals of Internal Medicine reveals that prolonged sitting, even if you exercise regularly, increases…

Unseen Employee Disability Costs, Part 3: What Can You Do?

In August, I wrote about how the non-occupational disabilities covered under salary continuation or disability insurance plans are more common than the occupational disabilities covered under workers’ compensation. I suggested your benefits team should be as focused on managing the costs of non-occ disabilities as your risk management team is on keeping WC costs in…

What Every Business Needs to Know About Anti-Discriminatory Laws

Every business should have a basic knowledge about anti-discriminatory handicap and disability laws. At a very general level, the following definition can be proposed: discrimination is any violation of the principle of equality in relation to prohibited criteria. Older discrimination laws used to provide sanctioned regulations which did not sufficiently take into account the differences…