Even though long-term disability insurance and long-term care insurance sound like they could be similar types of insurance, they are very different. Learn the differences between them and which one may be best for your particular situation.
Read MoreLook around your classrooms, offices, nursing homes, or even dorm rooms. Nowadays, emotional support animals (ESA) can be seen almost anywhere alongside their beloved owners. These animals which are typically dogs or cats can provide emotional support to their owners who may need it for any number of reasons.
Read MorePTSD. Anxiety. Depression. These are some of the conditions that veterans and active duty service members face. Left untreated, veterans may become hopeless and choose to end their lives. We owe it to all service members to listen, help, and act in their regard before it is too late.
Read MoreYou may think that you’re productive because you eat at your desk and skip breaks. But you would be wrong. Evidence suggests that work breaks add to your productivity. A work break clears your mind, stimulates creativity, reduces stress, and lowers your risk of physical ailments.
Read MoreDisability insurance myths are pervasive. Disability myths are somewhat dangerous because they may prevent you from protecting your greatest financial asset—your ability to earn a paycheck. When you think of disability insurance, do you think about insurance that covers disability due to a relatively severe accident? Many people do. What about the chance of a disability happening to you? You are a careful person and you have a desk job. No need for disability insurance, right? Well, the preceding scenarios make up two of the larger disability insurance myths. It makes you wonder how many other disability insurance myths you believe.
Read MoreSetting work boundaries may be a difficult thing to do because we are so worried about what others may think. However, once we set them we gain peace of mind and start to work on important things versus trivial things. To set boundaries, listen to your gut to determine what you are comfortable with. Then create and communicate your limits…and stick to them.
Read MoreThe fact that we have a description for the way many people feel on Mondays–the Monday blues–is an indication that numerous people have these feelings. Here are six ways to battle the Monday blues. But bear in mind, if the Monday blues are chronic it might be an indication of a deeper emotional distress related to your job.
Read MoreYour 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?
Read MoreDisability 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 MoreForty-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 MoreOne 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?
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