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…

Man holding his back

6 Ways to Protect Your Lower Back From Injury

Back pain is one of the most widespread issues in modern American life. Experts estimate that eight out of ten Americans will experience back pain in their lives.  According to the Integrated Benefits Institute’s Health and Productivity Benchmarking 2016, musculoskeletal disorders (aka pain in the back and joints — especially the hips, knees and shoulders) account…

DNA strands

Genetic Testing at Work

Do the rewards of genetic testing of employees outweigh the possible risks it presents to their financial stability? This article by Carol Harnett, president of The Council for Disability Awareness, was recently published in Human Resource Executive. I became intrigued with genetics in sixth grade. I still recall being fascinated when Mrs. D’Amato described Gregor Mendel’s…