Five Income Protection Insurance Myths—Debunked
If you could set aside a small portion of your current income to protect millions in future income, would you? If you’re like most people, the answer is, “yes!”
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Tips on Filing a Long-Term Disability Claim
If you are newly disabled and unable to work, you probably have a lot on your plate. But if you anticipate your disability lasting awhile, it’s a good idea to get your long-term disability claim started right away. Speed and organization are two keys to make the process as smooth as possible. We’re here with…
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Four Things You Need to Know About Money in Your 30s
How you handle money in your 30s will have a big effect on your life down the line. You’ve been in the working world long enough that you may now have a decent salary. You may have even bought a home and likely discovered the “joys” of homeownership in the form of emergency roof repairs…
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Survey on Small Employers and Long-Term Disability Insurance
Recently, the Consumer Federation of America (CFA) and Unum released the results of a long-term disability survey. For the survey, they polled more than 500 benefits decision-makers at small employers. The findings reveal that employers understand the value of this insurance for employees—whether they offer the benefit or not. It also found that those who…
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Short-Term vs. Long-Term Disability: What Do You Need
One of the more common questions people have about purchasing disability insurance is the question of short-term vs. long-term disability insurance. It’s not always easy to know what’s best. What’s the difference between the two? Which one do you need? Or do you need both? Let’s start by explaining some definitions as far as short-term…
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What is Own-Occupation Disability Insurance?
The world of disability insurance isn’t exactly known for snappy names for its products and features. Take “own-occupation disability insurance.” What is that, exactly? We’re here to help translate some of the terminology so you know what it is, and whether you need it. What Own-Occupation Disability Insurance is All About The first thing you…
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Why You Should Quit Smoking—And Do it Now
Most of us can rattle off a long list of reasons why you should quit smoking. Here at the Council for Disability Awareness, we believe it’s wise for nearly every working adult to carry disability insurance to protect against the very real possibility of a disability preventing them from earning an income. But we also believe in…
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Think Workers’ Compensation Benefits Will Cover Disability?
There is often a false sense of security that comes from the assumption that many, or even most, disabilities would be covered by worker’s comp. In fact, less than five percent of disabling accidents and illnesses are work-related.
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Are My Disability Benefits Taxable? It Depends.
Are your disability benefits taxable? Generally speaking, if your employer pays for the policy, your disability benefits are taxable, and must be reported to the IRS as income. If you pay the policy premiums, you don’t have to pay taxes on it again.
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Disability and Loss of Income: 10 Expenses to Consider
Disability and the ensuing loss of income has huge financial implications that few are prepared for. Without the ability to obtain a steady income, workers may fall behind on payments. In fact, about 77 percent of consumers said they would not be able to pay their bills for more than a year if they suffered a loss…
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Disability Insurance Rates: What Will I Pay?
Many people, even those convinced disability insurance is a great idea, just don’t know what to expect from disability insurance rates. That’s largely because it’s not easy to simply throw out a number—rates very person to person, depending on the circumstances.
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How to Pay for Family Leave for Moms and Dads
Many families grapple with how to cover unpaid family leave without causing serious damages to the family’s finances. Fortunately, there are steps you can take in order to protect your income if you’re thinking about starting—or expanding—your family.
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