Social Security Disability Requirements: What You Need To Know
Take time to understanding Social Security disability requirements in order to evaluate if you need additional disability coverage to protect your income
Long-Term Disability Insurance for Freelancers 101
Income protection is crucial for freelancers. Learn why long-term disability insurance must play a part of your income protection plan.
Tips on Filing a Long-Term Disability Claim
If you are newly disabled and unable to work, you probably have a lot on your plate. But if you anticipate your disability lasting awhile, it’s a good idea to get your long-term disability claim started right away. Speed and organization are two keys to make the process as smooth as possible. We’re here with…
Survey on Small Employers and Long-Term Disability Insurance
Recently, the Consumer Federation of America (CFA) and Unum released the results of a long-term disability survey. For the survey, they polled more than 500 benefits decision-makers at small employers. The findings reveal that employers understand the value of this insurance for employees—whether they offer the benefit or not. It also found that those who…
Short-Term vs. Long-Term Disability: What Do You Need
One of the more common questions people have about purchasing disability insurance is the question of short-term vs. long-term disability insurance. It’s not always easy to know what’s best. What’s the difference between the two? Which one do you need? Or do you need both? Let’s start by explaining some definitions as far as short-term…
What is Own-Occupation Disability Insurance?
The world of disability insurance isn’t exactly known for snappy names for its products and features. Take “own-occupation disability insurance.” What is that, exactly? We’re here to help translate some of the terminology so you know what it is, and whether you need it. What Own-Occupation Disability Insurance is All About The first thing you…
Think Workers’ Compensation Benefits Will Cover Disability?
There is often a false sense of security that comes from the assumption that many, or even most, disabilities would be covered by worker’s comp. In fact, less than five percent of disabling accidents and illnesses are work-related.
Are My Disability Benefits Taxable? It Depends.
Are your disability benefits taxable? Generally speaking, if your employer pays for the policy, your disability benefits are taxable, and must be reported to the IRS as income. If you pay the policy premiums, you don’t have to pay taxes on it again.
Disability Insurance Rates: What Will I Pay?
Many people, even those convinced disability insurance is a great idea, just don’t know what to expect from disability insurance rates. That’s largely because it’s not easy to simply throw out a number—rates very person to person, depending on the circumstances.
How to Pay for Family Leave for Moms and Dads
Many families grapple with how to cover unpaid family leave without causing serious damages to the family’s finances. Fortunately, there are steps you can take in order to protect your income if you’re thinking about starting—or expanding—your family.