Your ability to earn income is your most valuable asset. People tend to insure their property and their “things,” but frequently overlook the source that makes it possible to maintain their lifestyle—the ability to earn income. But what about disability insurance for the self-employed? Could it be extra important for them to have an income protection plan?
Disability insurance has a base policy. But they also have options that can be added to the standard policy. Optional “add-ons” to the base policy of disability insurance are called disability insurance riders. Riders allow consumers to individualize—to add optional features, which address their specific income protection needs.
Forty-six percent of adults say they either could not cover an emergency expense costing $400, or would cover it by selling something or borrowing money. This is attention-grabbing and a potential wake-up call for building an emergency fund. But an emergency fund is just the first step, financial preparedness, which includes disability awareness needs to be considered as soon as you cover your emergency funds.
One of the first steps in financial preparedness is an emergency fund; one of the next steps is to protect your income with disability insurance. Nearly half of respondents had debt or unpaid balances left over from the surprise medical costs, which averaged $2,782.
Our hope for all those who answered the last statistic is that they were not confronting a loved one who became disabled and temporarily or permanently lost his/her ability to earn a paycheck.
Numerous studies show that stress in the workplace is the major source of stress for American adults. So what are the main workplace stressors that you can look out for? And once you identify them, what can you do in order to reduce these stressors?
An increasing number of people are buying wearable technology such as fitness trackers and smartwatches. This allows them to keep track and keep motivated about continuing healthy behaviors. But can these wearables have a clinical purpose? Learn more
Does your company have a positive culture or a toxic culture? If it was not mindfully groomed to be positive, it is left to chance how the culture will develop. Even though the majority of organizations are neither fully positive or fully toxic, here are four indicators of health and four indicators of toxicity from which to judge and compare your company’s culture.
Gluten is a protein, which is found in grains such as wheat, barley, and rye. These grains can be found in many common foods. Why would someone want to avoid them? Because they can have celiac disease. This blog explores the top four gluten myths such as gluten can be eaten in small amounts if you have celiac disease.
Dating someone in a wheelchair is very similar to dating anyone–there is the stress and discomfort of interacting with a potential love interest. Dating someone in a wheelchair also has some differences. Find out what some of these differences are.
The definition of disability changes depending upon who you ask. The dictionary, the ADA, and Social Security all have definitions that they created. Which begs the question, who has the right to determine the definition of disability?