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The Cost of Cancer – Planning for Survival

No one plans to have cancer. Aside from the shock and anxiety for the future a diagnosis brings, cancer also presents a financial situation that few people fully consider. Huge medical bills, on top of the typical expenses like college loans, mortgages, and car payments, can leave survivors concerned about their finances. Despite this, there…

Unseen Employee Disability Costs, Part 2

In last month’s blog post, I wrote about how the non-occupational disabilities covered under salary continuation or disability insurance plans are more common than the occupational disabilities covered under workers’ compensation. I suggested that your benefits team should be as focused on managing the costs of non-occ disabilities as your risk management team is on…

Home Ownership and Disability: What You Need to Know

Buying a home can be one of the most exciting experiences that life has to offer, especially when all the stars seem to align. As consumer confidence continues to build and mortgage rates continue to fall, the housing market is seeing an uptick—especially among millennials. While buying a home can surely be an exciting experience, it…

Why Millennials Need to Think about Disability Insurance

Millennials are shaping up to be one of the most influential and unique generations of all time. They’re already the biggest population in US history, consisting of 92 million people (compared to 77 million “baby-boomers”), and they currently make up close to half of the American workforce. One thing that sets millennials apart from past…

Five Common Causes of Disability—Protecting Your Employees and Your Business

The concern over losing employees is something that keeps many HR managers and CEOs up throughout the night, and for good reason. Replacing even a $10/hr employee can cost over $3,000, and the expense of finding someone to take over a high-level position can be $8,000 or more. Even if you treat your employees like…

Take Control of Your Paycheck!

Everyone looks forward to payday, but for some, the excitement is tied more to being able to make rent than the gratification of a job well done. Living paycheck-to-paycheck is something that most people go through at one point or another (half of Americans find themselves in such a situation), and it can be a…