Family looking off into a bright sunset

Benefit Strategies that Protect Employee Income, Drive Enrollment, and Assist Recruitment and Retention

Ernest Dube Director, Enrollment & Account Management Guardian Life Insurance Company of America® Editor’s Note: Employers can help employees better prepare for their future and help close potential income gaps caused by longer-term workplace absences by providing supplemental income protection. This benefit provides additional coverage benefits from a protection perspective and also enhances employee recruitment…

Research: How did the pandemic impact short-term disability rates?

From The CDA Research Files: How Did The Covid-19 Pandemic Impact Short-Term Disability Rates?

Editor’s Note: For this installment of our multi-part mini-series, we’re re-publishing a LinkedIn article that CDA Research Director Fred Schott originally put up on June 29, 2021.  I’ve written on this topic before (see here, here, and here) but I want to add some fresh content, blend it in with some previous material, and serve up something new— all with the…

The benefits of disability insurance

Quick Guide on the Causes of Disability Insurance Claims and Benefits

A disability – whether an injury, illness, or affliction – can be debilitating for people in any occupation. And they’re very hard to predict, meaning that someone can get hurt on or off the job anytime, anywhere. That’s where disability insurance comes in. Disability insurance ensures that you won’t suffer financially, should you become temporarily…

Family Matters - The Impact of the SSDI Application Process on Applicants, Caregivers and Families

The Impact of the SSDI Application Process on Applicants, Caregivers and Families

By Missy Biggs Applicants, caregivers, and families experience unexpected support and  frustrations during the Social Security Disability Insurance benefits application process. On the one hand, each family member (including a spouse, divorced spouse, children, and adult children disabled before age 22) may be eligible for a monthly benefit of up to 50 percent of the disability benefit amount.…

Family Matters, vaccination

Disability Insurance and COVID-19 Vaccine Risk

Recently the insurance company I represent, and I am sure other insurance carriers, have been receiving calls and emails from agents, brokers and policyholders asking about the company’s stance on any disability that might occur as a result of receiving the coronavirus vaccine. While a very fair question, the answer is relatively simple for the…

The importance of spousal disability insurance

How Can We Help Financially Protect Families With A Stay-at-Home Partner?

When talk of disability income insurance comes up, you probably understand how important it is to protect the breadwinner. Particularly in households where only one person earns an income, disability income insurance (DI) is critical coverage for those who want to financially protect themselves and their loved ones. Insuring a portion of your paycheck with…

History of Social Security Disability Insurance Advocacy

The History and Future of Social Security Disability Insurance Advocacy

By Matt Jensen, Executive Vice President and Chief Marketing Officer, Integrated Benefits, Inc. This post tells a story about a benefit available to most people living and working in the United States – Social Security Disability Insurance (SSDI). The SSDI program pays benefits to you and certain family members if you are unable to work due to a medical condition…

The importance of disability insurance for millennials

Understanding the Importance of Disability Insurance for Millennials

By Darlena Holland. HowThis article originally appeared on the American Fidelity Blog. Zip-lining in Costa Rica. Parasailing in Cabo. Skiing in Colorado. In today’s world, millennials have more access than ever before to new experiences, new adventures, and new opportunities to cross items off their bucket lists. Because of their active lifestyles, disability insurance is an important…

Low-Cost Ways to Cope With a Disability Diagnosis

Low-Cost Ways to Cope With a Disability Diagnosis

After weeks, months, or even years of searching for answers, a diagnosis – even a challenging one – can be a relief. There’s something extraordinarily powerful about being able to put a name to your symptoms and the cause behind them. However, that relief brings a hefty dose of its own fear and uncertainty with…

Savings

Four Methods of Budgeting That Will Help You Save Money

The thing about budgeting is that we all know we have to do it, and often the hardest part is getting started. The challenge is even greater for adults with disabilities. In fact, 1 in 4 Americans with disabilities have a hard time finding employment and thus experience financial insecurity. Their economic situation is aggravated…