“When the well runs dry, we know the worth of water.” – Benjamin Franklin Chances are, your income is your greatest asset when measured over the course of your entire career. But in a sea of competing financial priorities, it’s all too easy to dismiss the importance of having disability income insurance protection. That…
One of the most important reasons for workers to buy disability insurance is, of course, income replacement. When a policyholder is sick or injured and becomes unable to work their disability insurance will cover a percentage of their monthly income, allowing them to pay their everyday expenses until they recover. But disability insurance plans generally…
By Sharon Scanlon, Lincoln Financial Group As a woman planted firmly in the sandwich generation, I’m happily helping my 80-year-old mom when she needs it, while also encouraging my youngest kids on their journeys to leave the nest. Across three generations, it’s no surprise that our family gatherings feature a variety of opinions on just…
The Future of Work through Three Lenses: Climate Change, Artificial Intelligence & Disease by Margaret O’Neill, SmithGroup Part III: Another Pandemic? This paper, focused on the threat of another global pandemic, is the third in a 3-part series that considers the potential headwinds and tailwinds affecting work as we know it in America. This paper will…
Yet there is no diagnosis code, it’s not a medical condition… After Fred’s very creative use of “GRACE,” see the previous CDIA blog, I would like to take this topic in a different direction, that’s into the data…. At The Claim Lab, we analyze a great deal of disability claims data to find the best…
Several months ago, I wrote a post about loneliness and why it’s an issue nowadays. I concluded by referring to a prescription for combatting loneliness developed by neuroscientist Stephanie Cacioppo, a/k/a “Doctor Love.” It goes the acronym GRACE—gratitude, reciprocity, altruism, choice, and enjoyment. I said I’d share some personal insights about putting GRACE into practice…
This article originally appeared on the American Fidelity blog. Zip-lining in Costa Rica. Parasailing in Cabo. Skiing in Colorado. In today’s world, millennials have more access than ever before to new experiences, new adventures, and new opportunities to cross items off their bucket lists. Because of their active lifestyles, Disability Insurance is an important part of…
There are Few Feelings Worse than Being EXPOSED. Before you go deleting your browser history—don’t worry—I’m not talking about anything sinister here. More along the lines of… Exposed for doing or saying something hypocritical. Exposed for not doing the right thing. Exposed for bad planning. But we learn from the pain. And if you’re in…
Eight Tips for Living Well from a Busy Baby Boomer! If you’re a recently semi-retired Baby Boomer as I am, you’re in good company. Every day, an average of 10,000 Americans will reach retirement age. That daily number will grow over the next several years as Baby Boomers stop working. Tip #1. Retirement…
