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.Read More
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.Read More
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?Read More
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 moreRead 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.Read More
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.Read More
Anti-vaxers and pro-vaxers have been arguing over the safety of childhood vaccinations. Science has repeatedly come out and testified that vaccinations do not cause autism and other types of disabilities. Autism Speaks has recently revised its stance on childhood vaccinations saying “Scientific research has not directly connected autism to vaccines.”Read More
Three things that do not necessarily lead to happiness at work concern the desire to receive more things from your employer. Happiness may not lie in the fulfillment of these desires, but in the fulfillment of positive interaction with our co-workers.Read More
Angry about the movie Me Before You? If so, you are not alone. Many in the disability community certainly are. The movie portrays a quadriplegic character who falls in love with his caretaker, and she him. It isn’t the romance that people have a problem with, it is the ending, which many believe sends the wrong message about living life to the fullest, with or with out a disability.Read More