Happy New Year! Wait…aren’t we a little early (or a lot late) for that greeting? The truth is that for many people, September is the “real” new year, despite what the calendar says. And it’s easy to see why—after all that was traditionally the time we came back to school in a new outfit, maybe…
If you’re in your mid-to-late 40s, the options to protect your income may be coming to an end. If you don’t have income-protection disability insurance, you may find it’s more difficult to get it and that the cost is increasing. Disability insurance? Yes, basic disability insurance is most affordable way to protect your income…
When it’s time to start a family, many parents-to-be are so focused on decorating the nursery and choosing the right car seat that they can overlook the life-altering impact a baby can have on their financial life. And we’re not just talking the exorbitant cost of diapers—we’re talking nearly 4 million dollars in “potential income.” These…
Embarking on a career path in business can lead to countless opportunities, whether young adults pursue corporate roles or entrepreneurship. For young adults with disabilities, the business world offers prospects for every interest and ability. These tips can help you prepare for each stage of working life in business. Choose the Right Degree Your choice…
This article originally appeared on the Guardian Life website “My life changed in an instant,” said Rosemarie Rossetti during Guardian’s webinar, The Inaccessibility of Accessibility: Helping family caregivers find the resources they need. When a 7,000-pound tree and live power lines fell on her while she was biking with her husband, Rosemarie was instantly paralyzed from the…
By Anita Kulakowski, Integrated Benefits, Inc 1. Understanding the Wait Time for Medicare After Receiving SSDI Most people know that Medicare is a federal health insurance program available to individuals who are 65 years and older. But, did you know that people who have been receiving Social Security Disability Insurance (SSDI) for at least two…
Amber Stitt, Financial Consultant, Business Strategist, Speaker, Podcast Host Having the proper protections in place should be important to everyone, but early planning is particularly important for women. With a broader variety of female-specific needs, finding suitable insurance options to better secure the future can be challenging. I’ll share some key considerations to help explain…
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…
By Amy Fontinelle Editor’s Note: This blog post from The Council for Disability Awareness’ member company, MassMutual, defines how much of a problem Alzheimer’s disease and other forms of dementia are becoming as people live longer; points out how significant the direct and indirect costs of caring for someone with dementia are becoming; and recommends steps for estate planning and preparation that…
By Tara Mallaley Editor’s Note: If there’s one lesson we took away from the pandemic is our salaries may not be replaced when we leave work with an illness. About 50 percent of employees have some form of income protection coverage available to them through their employers. Typically, employers who provide disability insurance offer both…
