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…
This article originally appeared on the American Fidelity blog. From buying diapers to creating a birth plan, there’s a lot to prepare for when you’re expecting a child. While you probably won’t be gifted health insurance at a baby shower, it’s still a vital part of your pregnancy experience. Understanding your coverage can help…
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.…
By:Tracey Ferstler, Assistant Vice President, U.S. Claims and Operations, MetLife The topic of mental health took on an entirely new meaning in 2021. After a year of uncertainties brought on by the COVID-19 pandemic, employees and employers alike are focusing more closely on mental wellness and burnout. Employee anxiety, depression and burnout are at…
By Diane Russell, Senior Vice President of Marketing and Strategy, Lincoln Financial Group If you have children, you know there’s no shortage of advice from family, friends and sometimes even strangers. Yet, mothers dealing with postpartum depression often feel like they have no one to talk to about what they’re going through. At least, that’s…
After Cris Martin discovered a lump on her chest wall, she went into self-advocacy mode – and learned several lessons along the way, including the importance of taking early action, and having group and supplemental individual disability coverage with a good carrier. Three years ago, my life was exactly the way it was supposed to…
By Fred Schott, Director of Operations and Research, CDA. Around noon on January 6th, I got out of my car and strode into the Bone & Joint Institute at Hartford Hospital. Wait! Did I say “strode?” Actually, it was more like “walked guardedly, trying not to provoke my arthritic left hip into another flareup.” That’s…
By Bob Herum, MSFS, CLU, ChFC, RHU, REBC Editor’s Note: On July 28, 2015, I was struck by a car as a pedestrian. After the acute portion of my recovery ended, I met with my financial planner to discuss the potential implications to my retirement plan if I was out of work for an extended…
By: Phil Bruen, senior vice president, Life & Disability, Group Benefits, MetLife While more than two-thirds of employees consider paid and unpaid leave to be a must have benefit, fewer employers offer these programs now than they did in 2019 and 2020. Phil Bruen shares three tips for businesses around the successful application of leave…
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…
