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…
Carol Harnett Editor’s Note: Disability industry professionals have a lot in common with March Madness’ Cinderella team, the Saint Peter’s Peacocks from Jersey City, New Jersey. They’re strong in understanding the fundamentals of disability and absence, They work hard, and They execute. I don’t often talk about my undergraduate alma mater. The most likely…
There’s no doubt, coping with an unexpected disability can be challenging. But that doesn’t mean it’s hopeless. Though it may take time, it is possible to live very well despite your diagnosis. And the good news is that there are specific steps that you can take today to help you build the happy, fulfilling life…
How brain chemistry and terror slow time down. Maybe it’s happened to you. You trip on a stair, begin to fall, and suddenly, everything slows down. Your coffee cup floats away. The ground rises slowly. A friend watches you in alarm. Your arm reaches out to brace yourself. It feels like many seconds have…
What happens to everyday expenses when an illness or injury prevents you from working and earning an income? Medical insurance helps cover the costs associated with treatment. But How do you pay your mortgage or rent? Do you have enough savings to buy groceries and cover your bills? Lizzette Villeda discovered the real value…
Alexandra Ginieres Director, Marketing Communications, Individual Disability Guardian Life Insurance Company of America® Editor’s Note: When it comes to protecting yourself and your family, holistic protection is key. As we begin open enrollment season, start thinking about which benefits will be a good fit for your financial needs. When considering your options, understand the…
Bob Herum, MSFS, CLU, ChFC, RHU, REBC Editor’s Note: When the leaves start to fall, it’s usually the time for you to enroll in your employer’s benefits offerings. A lot of us focus our time on understanding the health insurance benefits, but you could be leaving a lot of money on the table with that…
By Jeremy Parr, Director, Voluntary Benefits, Lincoln Financial Group Editor’s Note: It’s time that companies structure, prioritize, and present benefits to reflect today’s financial and societal realities. Employees often must turn to voluntary benefits to help them shoulder higher out-of-pocket costs. And that means employers need to offer a well-rounded benefits package to help their…
By Steve Perrigo Editor’s Note: The far-reaching effects of a global virus mean employees with disabilities need Social Security Disability Insurance benefits more than ever. Thankfully, awareness is growing. Significant health impacts halted work for many American workers – some estimates reach 11 million – and it’s leading to a search for answers. The…
Bob Herum, MSFS, CLU, ChFC, RHU, REBC Editor’s Note: Facts do not change your clients’ behavior when it comes to understanding their risk for being out of work due to an injury or illness. Bob Herum presents a primer on how to alter your discussion about the impact of disability on financial plans. Traditionally, the…
