Tolerating Gluten Intolerance

At 18 months old, my son suddenly changed from the happiest little dude in town to a miserable and often inconsolable kid. Without warning, he became thoroughly unhappy, bouncing between periods of lethargy and periods of frustration. His sleep, which had been challenging anyway, as it is with most little ones, became a constant battle;…

Mother holding newborn baby. Protect Your Income, Open Enrollment 2023

Expecting a Baby? Disability Insurance Can Help!

Expecting a baby? congratulations! You may not know it, but disability insurance offers valuable financial benefits for expectant parents. In the event that you become unable to work during or after your pregnancy, here are some ways that disability insurance can help:   Income Replacement Disability insurance will typically provides a portion of income if…

Mature couple comforting each other. Protect Your Income, Open Enrollment 2023

The Story that Cemented my Conviction

My entire career, I’ve been told that “stories sell, not features.”  This is so true because nobody cares about the products themselves, people only care about what a product can do for them. To know what something can do for you, you must put yourself in a scenario where you see yourself benefiting from it.…

Young professionals in a meeting at work

Disability Insurance Is Important No Matter Your Age —What To Consider

By John Feeney, vice president, group sales and market development for the Renaissance Life & Health Insurance Company of America.   Attention Gen Z and Millennials: disability insurance is an important coverage for you, too. Some view employer-sponsored group disability insurance as an ancillary benefit reserved for older individuals, when in fact, disability insurance should…

The importance of disability insurance for Gen X

Hey Gen X: Time to Protect Your Income

If you’re in your mid-to-late 40s, the options to protect your income may be coming to an end. If you don’t have income-protection disability insurance, you may find it’s more difficult to get it and that the cost is increasing.   Disability insurance? Yes, basic disability insurance is most affordable way to protect your income…

LGBTQ+ health challenges

LGBTQ+ Confronted by Increased Disabilities and Reduced Medical Care

As we celebrate Pride Month this June, the world’s LGBTQ+ communities have many hard-won achievements to recognize. In the United States, where the Pride movement began, acceptance of LGBTQ+ people is greater than in many other countries. Yet, the weight of continued discrimination and poor physical health and mental distress is taking a unique toll…

Minding The Income Gap With Social Security Disability Insurance

Minding The Income Gap With Social Security Disability Insurance

By Steve Perrigo Editor’s Note: SSDI is an often-overlooked income benefit for individuals with disabilities or serious illnesses. Many Americans workers are unaware of this critical benefit that they earned while working. Employers and employees fund this federal program by paying Federal Insurance Contributions Act (FICA) payroll taxes. No one thinks it will happen to…

Mind the Gap campaign: The benefits of long term disability insurance

Bridge the Paycheck Gap

Mia Ferrarin Marketing Manager, Life and Disability Insurance, Individual Markets Guardian Life Insurance Company of America®   Editor’s Note:  When you think about protection, you might think about the assets in your life that you safeguard by purchasing an insurance policy — like your car, your home or other valuables. Maybe you think about other…

Depression and Your Office Environment: What You Need to Know

Depression, while often hiding in plain sight, ranks among the top three workplace problems for employee assistance professionals, resulting in 3% of total short-term disability days. For context, that’s more disability than what’s caused by heart disease, hypertension and diabetes—all in the form of an illness that isn’t nearly as visible as a broken bone.…