As the spread of the novel coronavirus and COVID-19 altered how we work, live and move about our communities, Americans started sending an increasing number of questions to The Council for Disability Awareness about Social Security Disability Insurance (SSDI). We turned to one of our member company experts – Ted Norwood of Integrated Benefits, Inc.…
Many states across the United States have either initiated or passed legislation to offer paid medical and family leave to employees. If you have access to this benefit, you may question if you need supplemental disability insurance. The short answer is YES. While paid leave may offer financial assistance in specific situations, the need for…
By Cara McNulty, DPA, President, Aetna Behavioral Health As we adjust to our new normal during the COVID-19 pandemic, the mental wellbeing of employees should remain a top priority for employers. Each employee faces a unique set of circumstances that may have negative implications for their mental health. Many employees are juggling childcare or caregiving…
Employers are offering more and more voluntary benefits—and workers want these benefits. A recent study showed that nearly one third of eligible employees were signing up for voluntary offerings (that’s a higher participation rate than in earlier years). Amy Hollis is the national leader of voluntary benefits for HR consultancy Willis Towers Watson. She recently…
Employers that implement an employee financial wellness strategy and clearly communicate available benefits resources can make a positive impact in the workplace: for employees, and for the company.
Disability insurance is one of the most important forms of insurance for working Americans. The financial expert Dave Ramsey calls it “a necessity.” It has been described as a valuable benefit by NPR while NBC News calls it “more important for singles than just about anyone.” Having a form of income protection for when you’re injured, ill…
It started with what seemed to be a sinus infection. “But it just wouldn’t go away,” remembers Lisa Gohra. So she went to see her doctor. He put her through a series of tests: ultrasounds, chest X-rays, CAT scans, needle biopsies. Then the diagnosis arrived: Advanced Papillary Thyroid Cancer with a tall cell variant. The…
Disability insurance provides critical financial protection that is very different from other insurance products. Millions of working Americans don’t have it, and many don’t fully understand what it protects. A 2017 report from LIMRA revealed that 65 percent of respondents thought that most people need disability insurance. Yet only 48 percent thought they personally needed it, and a…
If someone were to ask you about the level of pollutants in your daily environment, you’d probably think about your home, your city or town. But if you have a full-time job, what about the health of the workplace you spend most of your waking hours within? One third of most people’s adult lives will…
By Andrew Melnyk, Chief Economist and Vice President of Research, American Council of Life Insurers Last week, Fred Schott of The Council for Disability Awareness outlined an approach to answering the following question: how many working Americans have (or don’t have) some form of private disability coverage? It is an important question because, as we know, Social…
