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…

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…

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…