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…
Read MoreSeveral 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…
Read MoreThis 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…
Read MoreThere 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…
Read MoreEight 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…
Read MoreThe Future of Work through Three Lenses: Climate Change, Artificial Intelligence & Disease by Margaret O’Neill, SmithGroup Part II: Artificial Intelligence This paper, focused on artificial intelligence, is the second in a 3-part series that considers the potential headwinds and tailwinds affecting work, as we know it in America. This paper will delve into the…
Read MoreIn my lifetime, I can’t recall a time when there have been so many open conversations about concerns about mental health. While I certainly feel it’s positive and very necessary to talk openly about this topic, I also think it’s important to understand why there is such a marked increase in mental health challenges today…
Read MoreThere are 33,000,000 small businesses in the United States and fewer than 3,000 purchased disability overhead expense in 2023. DI is often described as the “selfish” insurance. Your auto coverage pays for the mechanic to fix your car. Your homeowners pays the handyman or roofers to repair the house. Your health insurance pays the doctor,…
Read MoreFirst, the Ankle Like many baby boomers, I participated in many sports and served in the military. For the most part, other than some incidental injuries, I made it to my ‘60’s’ and felt I would be able to continue to be active as I approached retirement and whatever followed. Well, my body answered very…
Read MoreThis article originally appeared on the American Fidelity Blog You may understand the importance of Disability Income Insurance but may be asking: Why aren’t more employees taking advantage of it? There are myriad reasons why employees aren’t electing the coverage. Lack of Understanding Many employees don’t understand what disability insurance covers, how it…
Read MoreAlexandra Ginieres, Chief Marketing Officer, MGIS The ability to earn an income is what funds your life, and it is the foundation of your financial well-being. Disability income insurance protects your paycheck by replacing a portion of your income if you become too sick or injured to work. The reality is that one in…
Read MoreHaving spent most of four decades marketing and selling disability income insurance, including individual, group, and payroll products, I am still amazed at the general resistance by many working Americans to doing fundamental research and analysis of their own personal and family financial situation. The amount of life insurance sales each year dwarfs the combined…
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