May is Disability Insurance Awareness Month

Ask Me Anything about Social Security Disability Insurance

As the spread of the novel coronavirus and COVID-19 altered how we work, live and move about our communities, Americans started sending an increasing number of questions to The Council for Disability Awareness about Social Security Disability Insurance (SSDI). We turned to one of our member company experts – Ted Norwood of Integrated Benefits, Inc.…

May is Disability Insurance Awareness Month

Paid Leave on the Rise: Why Disability Insurance Is Still Important

Many states across the United States have either initiated or passed legislation to offer paid medical and family leave to employees. If you have access to this benefit, you may question if you need supplemental disability insurance. The short answer is YES. While paid leave may offer financial assistance in specific situations, the need for…

May is Disability Insurance Awareness Month

Helping Business Owners Prepare for Uncertain Times

When the unexpected, such as an injury or illness, suddenly occurs, small business owners may be greatly affected, both personally and professionally. Think about the investment you’ve made in your business. Chances are, it’s not simply a business to you, but rather, your life’s work.   For many business and practice owners, their business provides…

What’s considered a disability? 10 causes every HR leader should know

When most people consider disability, they picture something catastrophic happening—an injury on the ski slope, or a speeding car hurtling into theirs—and, for the most part assume it can never happen to them. That’s why human resources experts often find it challenging to convince their employees of the importance of disability insurance even though you…

Seven Steps To Secure Your Finances Amid COVID-19

While health is everyone’s No. 1 concern these days, financial wellness is also top of mind. After all, many households are finding themselves in a budget bind as economic woes hit the economy at all levels. Even if your job is secure, you might be finding a partner or someone else in the household facing…

Are You Prepared to Live Income Free? A Young Cancer Patient’s Hindsight Advice

Say what you will about social media. It can be a highlight reel that evokes thoughts of “how is she possibly in Bora Bora again” or “does he ever work?” It can also reconnect you with people you haven’t seen in a decade, without even stepping foot in the same room as them. I hadn’t…

Mother holding a baby.

4 Things to Know About Family Leave and Your Income

Becoming a parent is an extraordinary and, at times, stressful endeavor. Your life is about to fundamentally change. And as you plan the myriad dimensions of this new reality, you may be wondering how you’ll cover all the bills while you take time off work. Family leave is a complex issue and it requires a…

Five Tips for First Time Disability Insurance Shoppers

Long-term disability insurance. It’s not as immediate a need as health insurance, and you probably don’t think it works into your long-term financial plan as much as life insurance does. But it’s still really, really important. Long-term disability insurance is, at its core, income replacement. It can help you make ends meet when you’re unable…

What is the Impact of High Student College Debt?

Student loans and the increasing size of their associated debt continue to grab headlines. The ongoing political environment and upcoming presidential election is significantly increasing the discussion of various proposals and ideas. From a historical perspective student loans are certainly not new. The debt levels, however, are even more evident when you look at the…

How Paid Family and Medical Leave Policies Can Impact How You Choose Your Benefits

Annual enrollment will soon be underway for many employees. During this time, workers choose benefits they feel are most important to protect their health and financial well-being. Understanding the benefits your employer offers and their associated costs are most likely key considerations for you.   In this post, I am going to focus on one…