Ted Norwood Editor’s Note: In part two of Ted Norwood’s post on Social Security, financial planning, and retirement, the author explains the various Social Security benefits and impact they may have on your financial status. (Click here to read Part 1 of this post.) Financial Planning, Protection and Retirement The basics The basic principles are…
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…
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: 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…
Ernest Dube Director, Enrollment & Account Management Guardian Life Insurance Company of America® Editor’s Note: Employers can help employees better prepare for their future and help close potential income gaps caused by longer-term workplace absences by providing supplemental income protection. This benefit provides additional coverage benefits from a protection perspective and also enhances employee recruitment…
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…
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…
By Fred Schott Editor’s Note: In this third post from The Council for Disability Awareness’ research files, Fred Schott reviews the trends seen around delayed or forgone medical care (due to the pandemic) during July 2020 and February 2021. July 2020 The U.S. Census Bureau’s Household Pulse Survey revealed a great deal about the pandemic’s impact…
By Ann Lloyd Now that tax refund and stimulus checks have been sent out and cashed, what will you do with the money? Maybe you feel like you’ve got cash burning a hole in your pocket, but it’s important to take a step back and consider your options before making any decisions about what to…
By John J. (“Jamie”) Kalamarides, President, Prudential Group Insurance People with disabilities and their caregivers deserve better than a return to the status quo. Now is the time to put the combined strengths of our government and private sector to work as we look to address the need for Paid Family Medical Leave and build…
